# James Mayo

> James Mayo is a fee-only financial advisor at IronFjord Wealth Management in Lakewood, Colorado, who holds the CFP, MBA and CFA credentials. James charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $12,500 a year and typically works with clients with $1,000,000 or more) and focuses on flat-fee planning, retirement planning and tax planning.

Page: https://find.wellspent.co/advisors/james-mayo/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** IronFjord Wealth Management
- **Based in:** Lakewood, Colorado
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $12,500 a year; typically works with clients with $1,000,000 or more
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.6M across 21 accounts
- **Credentials:** CFP, MBA, CFA, EA
- **Specialties:** Flat-fee planning, Retirement planning, Tax planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 8007683 (https://adviserinfo.sec.gov/individual/summary/8007683)
- **SEC registration:** Investment adviser representative in CO, TX
- **Exams passed:** Series 65 (2024)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://ironfjord.com

## Frequently asked questions

### Is James Mayo a fee-only financial advisor?

Yes. James Mayo is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by James's firm.

### How does James charge for financial advice?

James charges a flat fee or retainer and an ongoing planning fee.

### How much does James charge?

According to IronFjord Wealth Management's website, checked October 28, 2026: ongoing planning from $12,500 a year; typically works with clients with $1,000,000 or more.

### Does James work with clients virtually?

Yes. IronFjord Wealth Management says on its website that it works with clients remotely.

### Where is James Mayo based?

James Mayo is based in Lakewood, Colorado.

### What does James specialize in?

James's specialties include flat-fee planning, retirement planning and tax planning. James works with retirees and pre-retirees.

### What credentials does James Mayo hold?

James Mayo holds the CFP, MBA, CFA and EA credentials.

### Is James Mayo registered with the SEC?

Yes. James Mayo is registered as an investment adviser representative in CO and TX (CRD 8007683), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does IronFjord Wealth Management manage?

IronFjord Wealth Management reports $1.6M across 21 accounts in assets under management.

### How do I contact James Mayo?

Through James's website, ironfjord.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/james-mayo-10888): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.ironfjord.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.