Welcome to the next stage of your financial journey. I’m John C. Warner, Director of Lifetime Financial Solutions at Ironhawk Financial, and for more than a decade, I’ve been committed to transforming my clients’ biggest financial fears into lasting confidence. Whether you’re uneasy about outliving your savings or worried about the growing tax implications of 401(k)s and IRAs, my mission is to provide you with a roadmap that’s as realistic as it is reassuring—built on thorough research, mathematical models, and time-tested financial principles.

Turning Fear into Confidence
I understand that financial anxiety isn’t just about numbers—it’s about the life you’re striving to lead. Questions like “Will I have enough to travel or support my family?” or “Am I saving too little, too late?” can loom large in your thoughts. My approach involves addressing these concerns head-on by creating customized, evidence-based plans. Through stress testing and historical data analysis, we replace apprehension with tangible strategies that give you a clear understanding of how your retirement can unfold.

Tax Efficiency
A sustainable retirement strategy isn’t only about growing your money—it’s also about keeping as much of it as possible. A significant component of my planning process involves optimizing for taxes in everything from IRAs and 401(k)s to non-retirement investment accounts. I use techniques like tax-loss harvesting, strategic asset location, and thoughtful withdrawal sequencing to minimize the tax drag on your portfolio. When done correctly, these strategies can substantially improve your long-term outcomes, ensuring that your hard-earned savings stay working for you.

A Partnership You Can Trust
As an independent adviser, my primary goal is to serve your best interests. There are no hidden incentives or sales agendas driving my recommendations. Instead, my focus is on truly listening to your story—your aspirations, your worries, and your personal definition of success. By understanding who you are and what you want out of life, I can craft a plan that reflects your values and meets your specific needs. I believe in building relationships that last, maintaining open lines of communication so you always feel supported and in control.

Education & Empowerment
In my experience, the most confident clients are those who understand why they’re making certain financial choices. That’s why I place a strong emphasis on education. We’ll talk through the details of how each part of your portfolio works, explore the pros and cons of various investment vehicles, and discuss the “why” behind every recommendation. By taking the mystery out of financial planning, you’re empowered to make decisions with certainty, knowing exactly how each move aligns with your long-term vision.

Charting Your Path Forward
Life is full of changes—career transitions, family milestones, unexpected challenges—and your financial plan should adapt right alongside you. I’m here to make sure your retirement strategy remains flexible and resilient, whether you’re ten years away from leaving the workforce or already enjoying your post-career lifestyle. Through regular reviews and adjustments, we’ll keep your plan on track even as your circumstances evolve. With a math-and-science-driven foundation, plus personalized advice tailored to your goals, you can approach the future feeling secure and prepared.

If you’re ready to move beyond sleepless nights and financial guesswork, I invite you to take this next step with me. Together, we’ll transform your fears into a roadmap toward a lasting, fulfilling retirement—one guided by sound principles, clear communication, and a shared commitment to your peace of mind. Let’s start building a future in which you can truly enjoy the life you’ve worked so hard to create.