Tax Preparation for Pre-Retirees, Retirees & Investors

Credentialed IRS Enrolled Agent (EA) and Chartered Financial Analyst® (CFA) offering tax preparation to those with investments.

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Logo of NATP. National Association of Tax Professionals.
Logo of an Enrolled Agent, Admitted to Practice Before the IRS.
Logo of Chartered Financial Analyst Institute.
Logo of NAPFA. The National Association of Personal Financial Advisors.

Meet James Mayo, CFA, EA

I founded IronFjord Tax Professionals to give pre-retirees, retirees, and high-net-worths clients something too often missing in tax preparation: advice that coordinates investments, retirement accounts, and the full financial picture.

With credentials as both an IRS Enrolled Agent (EA) and a Chartered Financial Analyst® (CFA®), I bring together tax and investment expertise to ensure your filings are accurate, your strategy is deliberate, and your goals stay on track.

Rooted in the values of clarity, integrity, and trust, this firm is built to make taxes understandable and dependable, so you can move forward with confidence in every decision.

Built for People with Investments

  • Early retirement seekers exploring their options

  • Pre-retirees preparing for the transition into retirement

  • Retirees drawing income from investments

More Than Just Filing

  • Transparent, flat fee tax preparation

  • Integrated planning to minimize taxes on investments

  • Guidance to optimize retirement income, manage capital gains, and coordinate across multiple accounts

  • $1 Million Tax Audit Defense™ is included with all of our tax filings

    We’ve partnered with Protection Plus so you have an entire tax audit defense department you can rely on. If you receive a tax notice, audit, or inquiry, Protection Plus provides up to $1,000,000 in services to reach a resolution. That includes a Professional Case Assessment, a professionally prepared response to the taxing authority, and representation before the IRS or State.

Our Tax Preparation Fees

We believe in transparent pricing. Here's exactly what our services cost:

Standard Personal Return (Form 1040) – $595

Includes:

  • Federal and state tax return preparation and filing

  • Standard deduction or itemized deductions

  • W-2 income, interest, dividends, and capital gains

  • Retirement account distributions

  • Common tax credits (Child Tax Credit, Earned Income Credit, etc.)

Personal Return with Business Income (1040 + Schedule C) – $795

Everything in the standard return, plus:

  • Schedule C preparation for sole proprietor business income

  • Business expense deductions

  • Home office deduction (if applicable)

  • Quarterly estimated tax calculations

Each Additional Schedule C Business – $300

For clients with multiple sole proprietor businesses, each additional Schedule C beyond the first.

Ready to File with Confidence?

Our firm specializes in taxes for those with assets of $1MM+ across various investment accounts, including taxable brokerages, IRAs, 401(k)/403(b)/457(b) etc. This brief form helps ensure we’re a good mutual fit.

FAQ

  • Most tax preparers focus only on filing returns. We focus on the bigger picture. As both a Chartered Financial Analyst (CFA®) and IRS Enrolled Agent (EA), I combine tax and investment expertise to help clients make intelligent financial decisions.

  • We prepare individual tax returns for clients across the country, but the most meaningful results come when tax and financial planning work together. Year-round planning is the bridge between tax preparation and wealth management, and this is where clients see the greatest value. When we manage both sides, we can optimize not just your tax outcome but your overall long-term financial plan.

  • Yes. Through IronFjord Wealth Management, an independent fiduciary financial planning and investment firm, I offer investment management and financial planning built around your tax strategy. We use low-cost, research-based index funds to grow wealth efficiently while minimizing taxes. For retirees, this often includes coordinating Roth conversions, Social Security timing, and investment withdrawals to help reduce taxes and enhance your portfolio.

  • We typically work with pre-retirees, those seeking early retirement, and retirees.

    We welcome anyone who wants to make informed, more coordinated financial decisions.

  • Yes. We serve clients nationwide through secure virtual meetings and encrypted document portals. Whether you are in Colorado, Hawaii, Florida, or anywhere in-between, you will receive the same thoughtful, personalized service.

  • Tax preparation fees are flat-rate, based on return complexity, typically $595 for a 1040 and $795 for a 1040 with Schedule C. For clients who also engage IronFjord Wealth Management, financial planning and investment management are fully integrated so we can optimize both sides of your balance sheet, what you earn and what you keep. There are no commissions, product sales, or hidden fees. Tax preparation discounts are available for clients of IronFjord Wealth Management.

  • Yes. Clients can work with us just for tax preparation. We are happy to collaborate with your advisor if you wish. However, clients often decide to consolidate with us once they see how much simpler and more effective it is to have tax, investment, and planning decisions fully aligned under one fiduciary relationship. We often find clients are working with advisors who are not fiduciaries and are not offering holistic planning services. IronFjord Wealth Management is always happy to take a look at your planning and investments and offer a second opinion.

  • The best time is as soon as possible. The most effective tax savings can often happen before December 31, not in April. When we also handle your financial planning, we can identify opportunities for Roth conversions, charitable giving, and investment withdrawals ahead of time. Proactive coordination helps retirees manage future tax brackets and preserve more wealth long term. If you have equity compensation, it is important to plan early.

  • You can start by scheduling a an introductory calle. We will review your situation, identify opportunities, and explain how a coordinated approach between tax preparation, planning, and investment management can make your financial life easier and more efficient.

  • Investment decisions always have tax consequences. As both a CFA® and EA, I bridge the gap between the two worlds. We help clients minimize capital gains, design tax-efficient portfolios, and plan withdrawals strategically. The goal is to keep more of your investment returns working for you, not lost to unnecessary taxes.

Download a free guide to 2026’s most important tax numbers here.