1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
For Tucson retirees and professionals with $250K–$1M+ who’ve spent decades building wealth and want to keep it safe
Fee-Based Fiduciary
20+ Years in Tucson
Tucson-Based
Transparent Fees
You’ve spent 30 years building this. Every promotion, every bonus, every year of disciplined saving brought you here. You have accounts worth protecting—maybe more than you ever thought you’d have.
But now the fear creeps in. Every market dip feels like watching decades of work evaporate. You refresh your portfolio balance more than you’d like to admit. One bad decision, one market crash at the wrong time, and everything could change.
You’ve done the hard part—accumulation. Now the game shifts to something entirely different: protection.
The families who preserve wealth approach retirement with confidence instead of fear.
Common Misconception: “Preserving wealth means putting everything in bonds or CDs and accepting low returns that barely keep up with inflation.”
The Reality: True wealth preservation is about strategic balance—not eliminating growth, but right-sizing risk for your stage of life. It means building a portfolio designed to weather market storms without forcing you into emotional decisions that lock in losses.
Preservation isn’t about hoarding money or refusing to spend. It’s about:
It’s not just defense. It’s smart coordination that keeps more of what you’ve earned in your pocket through minimized taxes, eliminated unnecessary fees, and appropriately managed risk.
Our job isn’t to make you rich—it’s to keep you rich.
The Tucson Advantage: Arizona’s 2.5% flat income tax means more of your wealth stays with you compared to high-tax states. Tucson’s lower cost of living and healthcare expenses allow preservation strategies to be more conservative while still maintaining your lifestyle.
But Tucson Also Has Unique Challenges:
The wealth preservation advice designed for high-tax coastal markets doesn’t work in Arizona. You need a strategy built for Tucson’s unique landscape.
Our approach to wealth preservation addresses the specific challenges Tucson families face while avoiding the common mistakes that destroy retirement security.
We start by assessing your actual risk tolerance and capacity—not by chasing returns. We build diversified portfolios matched to your genuine need for stability, then stress-test them against market crashes, inflation spikes, and sequence-of-returns scenarios. You won’t be exposed to more volatility than necessary to meet your goals.
Arizona’s 2.5% flat tax creates opportunities that don’t exist in other states. We coordinate Roth conversions, qualified versus non-qualified account sequencing, and capital gains timing to minimize your lifetime tax burden. For snowbirds, we navigate multi-state tax implications that can otherwise create unexpected liabilities.
Markets will drop—2008, the COVID crash, and whatever comes next. When volatility hits, we prevent the panic selling and emotional reactions that lock in permanent losses. Regular check-ins during turbulent periods keep you disciplined when instinct says to abandon the plan. This behavioral guidance often provides more value than investment selection alone.
Too many Tucson families have accumulated significant wealth in a single position—company stock, business ownership equity, or concentrated real estate holdings. We help you strategically diversify without triggering massive tax bills, spreading risk across asset classes while maintaining tax efficiency.
While Tucson’s healthcare costs are lower than coastal markets, Medicare gaps still exist. We help you prepare for what insurance doesn’t cover, protecting your wealth from the catastrophic expenses that can derail even well-funded retirements.
Preserving wealth extends beyond your lifetime. We work alongside estate attorneys to structure assets in ways that minimize estate taxes and ensure smooth wealth transfer to the next generation, protecting what you’ve built for your family’s future.
Prices keep rising, and retirement can last a long time. We look at how your plan holds up if inflation runs higher than expected. Depending on your situation, we may look at Treasury Inflation-Protected Securities (TIPS, government bonds designed to adjust with inflation), real estate, or commodities, and weigh the risks of each against your goals.
We help you protect what you’ve spent a lifetime building.
We don’t just manage your money—we protect what you’ve spent a lifetime building.
Alex Parrs
Partner | CFA, CFP®, ChFC, CFS, CASL
Alex is a wealth manager with over 15 years of experience specializing in retirement planning, wealth preservation, and portfolio management. A CFA and CFP® professional, he enjoys cooking, playing basketball, and spending time with his wife and three children.
David Renzi
Senior Wealth Manager | CFA
David is a wealth manager with over ten years of experience specializing in financial goal planning, wealth preservation, and portfolio management. A CFA charterholder, he enjoys volunteering, outdoor camping, and spending time with his wife Karem and their family.
Dan Nentl
Partner | CFS, ChFC
Dan is a wealth manager with extensive professional experience specializing in financial goal planning, wealth preservation, and tax optimization. A ChFC professional, he enjoys community volunteering, coaching youth sports, and spending time with his wife Jules and their children.
Robin Dolezal
Partner | CFP®
Robin is a wealth manager with extensive professional experience specializing in financial goal planning, wealth preservation, and tax optimization. A CFP® professional, he enjoys community volunteering, traveling, cooking, and spending time with his wife Melissa and their two sons.
How Tucson Families Preserve Their Wealth with Ironwood
We work with Tucson retirees and professionals who’ve built significant wealth but struggle with the shift from accumulation to preservation. Common situations include portfolios concentrated in single positions, uncertainty about appropriate risk levels for retirement, and anxiety during market volatility.
Our wealth preservation approach helps families diversify concentrated holdings in tax-efficient ways, right-size portfolio risk for their stage of life, and develop withdrawal strategies designed to weather market downturns. The ongoing behavioral coaching we provide often matters as much as the investment strategy itself—keeping clients disciplined during turbulent periods when emotional decisions can lock in permanent losses.
The outcome families report most frequently isn’t about returns—it’s about reduced anxiety, confidence in their strategy, and the ability to spend comfortably in retirement without constantly worrying about running out of money.
See how we’ve helped families with similar situations: Retiree Couple, $750K Portfolio
Wealth preservation makes the most sense for Tucson-area individuals and families who:
Have $500K–$1M+ in investable assets
Are within 10 years of retirement or already retired
Worry more about losing money than maximizing growth
Have concentrated positions in company stock, a business, or real estate
Experience anxiety during market volatility
Want to ensure wealth lasts 20-30+ years through retirement
Need tax-efficient strategies, not just investment selection
Prefer fee-based fiduciary advice over commission-based product sales
Want ongoing professional guidance and behavioral coaching during uncertain times
Choosing a fiduciary financial planner in Tucson shouldn’t feel like a leap of faith. Here’s what sets Ironwood apart when it comes to comprehensive financial planning:
Fee-Based Fiduciary
We’re legally required to put your interests first. No commissions means no incentive to take unnecessary risks with your wealth. Our compensation aligns with your goals—protecting and preserving what you’ve built.
Risk-First Methodology
We start with risk assessment, not performance projections. We don’t gamble with your life’s work chasing returns you don’t need. Our approach prioritizes the protection that lets you sleep at night.
20+ Years Tucson Experience
We understand Arizona’s tax advantages, local cost of living, and the specific challenges Tucson retirees face—from snowbird complications to small business concentration risk.
Behavioral Coaching
We keep you from making emotional decisions during market downturns. This discipline—preventing panic when markets drop—often matters more than investment selection for long-term wealth preservation.
In short: We’re not here to sell products. We’re here to coordinate investments, taxes, income, risk, and estate details into a plan you can live with—updated regularly, taught clearly, and built around what matters to you.
Preservation doesn’t mean zero growth. It means right-sizing risk for your stage of life. We still pursue returns—just without the unnecessary volatility that could derail your retirement plan. The goal is sustainable growth with appropriate protection.
This is called sequence-of-returns risk, and it’s exactly what preservation strategies protect against. We stress-test your portfolio against this scenario and build in buffers so market timing doesn’t devastate your retirement income.
Absolutely. Preservation and income aren’t opposites. We design withdrawal strategies that provide reliable income while protecting your principal through diversification, tax efficiency, and strategic rebalancing.
Not at all. We help clients recover from losses by preventing future emotional decisions and building disciplined strategies going forward. What matters most isn’t what’s already happened—it’s what you do next.
Being overly conservative often means returns that don’t keep pace with inflation, slowly eroding purchasing power. True preservation means strategic balance—enough growth to maintain lifestyle, enough protection to weather downturns, and enough tax efficiency to keep more of what you earn.
There’s no single best way. It depends on when you’ll need the money, how much income you need from it, and what you’re paying in taxes. For most people, it starts with owning a mix of investments that doesn’t take more risk than you need, and taking money out of your accounts in an order that takes taxes into account. It also means planning for healthcare and long-term care costs, and having estate documents and beneficiaries that say what you want.
We look at all of these together, because a change in one usually affects the others.
Start with how they get paid and whether they’re a fiduciary all the time, which means they have to put your interests first. Then look them up. You can check any advisor’s record, including complaints and their Form ADV, at adviserinfo.sec.gov. If they say they’re a CFP®, you can confirm that on the CFP Board’s website.
We’re a fee-based fiduciary firm, and you’re welcome to read our Form ADV Part 2A before we ever meet.
No. Wealth preservation is for anyone with savings they want to protect, including retirees whose money is mostly in retirement accounts and their home, and sometimes a local business. A bad market or a badly timed withdrawal can hurt just as much when the savings are smaller. Preserving wealth is about protecting what you’ve saved and what you’ll need.
Our annual fee is based on assets under management, starting at 1%. As account sizes increase, the fee rate decreases. Our official minimum is $250,000, but our average account is above $1,000,000. You can see the full details in our Form ADV Part 2A.
No. If you’ve built up savings you want to protect, it matters at 45 as much as at 75. The sooner you look at your risks, your taxes, and anything that makes up too much of your savings (like one stock), the more options you have.
Stop worrying about market volatility and start protecting what you’ve built.
No pressure • No product sales • Just honest guidance about protecting your wealth
Ready to move from anxiety to confidence?
Our wealth preservation review will show you exactly how to safeguard what matters most and build a strategy designed for the retirement you’ve earned.
Schedule your consultation today.
