Modern Wealth Management and Insurance Planning – Unique to you and your financial goals

 At IronHawk Financial, we’re here to demystify wealth and insurance planning, offering personalized solutions that provide complete financial protection for you and your business. We aim to empower you with the knowledge and tools needed to secure your financial future effortlessly.

Watch the video below for a 3-minute overview of how we can help you reach your financial, business, and personal goals.
Presented by wealth expert Joseph Lombardi.



Featured in The Top 100 Magazine
Featured in Markets Insider
Featured in International Business Times

the inspiration to protect you

Joseph Lombardi founded IronHawk Financial with a clear purpose: to offer protection and support to business owners in the construction sector and other hands-on trades. This mission stems from a deeply personal experience—a lesson learned through adversity.

Joe has witnessed the cascading effects of lacking adequate protection: the strain it places on families, the jeopardy it poses to businesses, and the uncertainty it brings to employees’ livelihoods.

The pivotal moment came from his own family’s ordeal. Joe’s father, a well-respected construction business owner, suffered a serious accident. This unforeseen event led to the loss of his $15 million company and triggered severe financial distress for his family.

Motivated by this hardship, Joe is now driven to ensure that his clients in construction and similar fields don’t face the same pitfalls. His focus is on safeguarding their enterprises and educating them on the importance of having a solid plan in place.

IronHawk Financial - Wealth Management
Managing Partner Joe Lombardi and Master Broker Timothy Maloney of IronHawk Financial.
Master Broker Timothy Maloney and Founding Managing Partner Joe Lombardi at IronHawk Financial’s Headquarters in Cheshire, Connecticut.
IronHawk Financial's Expert Team is Ready to Change Your Future for the Better
IronHawk Financial’s Expert Team is Ready to Change Your Future for the Better

recent financial podcasts
featuring joseph lombardi

Click on the video above to hear and watch IronHawk Financial’s resident expert Joe Lombardi provide insightful strategies for wealth management and growth on the podcast “Doing Business with a Servant’s Heart” from February 2024.

Click on the video above to hear and watch Joe Lombardi being interviewed for his financial expertise on the podcast “The Missing Link Live” from January 2024.

How to Secure Your Financial Future with Wealth Management

In today’s ever-evolving financial landscape, securing your financial future is more crucial than ever. With uncertainties looming around every corner, the importance of a well-structured wealth management plan cannot be overstated. Such a plan not only ensures your financial stability but also safeguards the future of your loved ones. Among the myriad of strategies available, leveraging different types of life insurance and annuities stands out as a robust approach to wealth management. This article delves into how you can fortify your financial future using these tools.

Understanding the Basics

Before diving into the intricacies of life insurance and annuities, it’s essential to grasp what wealth management entails. Wealth management is a holistic approach to handling your financial life. It encompasses financial planning, investment management, and various financial services, including tax strategies, estate planning, and yes, life insurance and annuities. The goal is to grow and protect your assets while ensuring you can meet your long-term financial objectives.

The Role of Life Insurance

Life insurance plays a pivotal role in wealth management. Beyond its basic function of providing your beneficiaries with a death benefit, it serves as a powerful financial planning tool. There are primarily two types of life insurance: term life insurance, which offers coverage for a specific period, and whole life insurance, which includes an investment component that builds cash value over time.

Term life insurance is an excellent choice for those looking for affordable coverage to protect their family’s financial future in the event of an untimely death. On the other hand, whole life insurance, while more expensive, can be a valuable part of your wealth management strategy. The cash value it accumulates can be borrowed against for various purposes, such as funding a child’s education, supplementing retirement income, or investing in opportunities that arise.

Annuities: A Steady Stream of Income

Annuities are another cornerstone of a robust wealth management plan. Essentially, an annuity is a contract between you and an insurance company. You make a lump-sum payment or a series of payments, and in return, the insurer agrees to make periodic payments to you, starting immediately or at a future date. Annuities can be an excellent way to secure a steady income stream in retirement, ensuring that you have a reliable source of funds to cover living expenses and healthcare needs.

There are various types of annuities, each tailored to different financial situations and goals. Fixed annuities provide a guaranteed income, while variable annuities offer income that can vary based on the performance of the investment options you choose. Indexed annuities fall somewhere in between, offering a minimum guaranteed return plus the potential for higher returns tied to the performance of a specific market index.

Crafting Your Wealth Management Strategy

Integrating life insurance and annuities into your wealth management strategy requires careful planning and consideration of your financial situation, goals, and risk tolerance. It’s not just about securing your financial future but also about maximizing the growth and protection of your assets.

A comprehensive approach involves evaluating your current financial status, determining your long-term objectives, and implementing strategies that align with your goals. This may include diversifying your investment portfolio, setting up trust funds, or leveraging tax-advantaged accounts.

As You Can See…

Securing your financial future is an ongoing process that evolves with your life’s stages. Leveraging life insurance and annuities as part of your wealth management strategy can provide a safety net for your loved ones and ensure a steady income stream in your retirement years. However, the key to effective wealth management is not just in choosing the right tools but in crafting a strategy that is as unique as your financial fingerprint. Engaging with a financial advisor can provide personalized insights and guidance to navigate the complexities of wealth management, ensuring that your financial future is not just secure but also prosperous.


Ironhawk Will definitely take care of all your needs for life planning and financial. Joe is a complete professional. An expert in this field and really has helped me out. I'm a retired twenty five year army combat that and just turned fifty eight years old. I took a hard look at where I was in my life planning and saw. I was coming up short and I really didn't know what to do. I gotta hold the Joe. And he got me straight to where I now have a piece of mind and feel confident that heaven Four bid.. Anything should happen to me my love ones and my situation are taken care of. Thanks joe and iron hawk. I highly recommend him. You won't be sorry For contacting them and taking this action. And tell them e j Sent you
Errol James Snyder Jr
Errol James Snyder Jr
You need to READ this!! Joseph Lambardi is a Game Changer in the Insurance Industry!!! I recently had the pleasure of working with Joseph, and I cannot express enough how amazing he was in helping me seamlessly sign up for my policy. From start to finish, Joseph demonstrated an exceptional level of knowledge, expertise, and genuine care for my best interests. Joseph’s ability to simplify complex insurance matters, his commitment to your best interests, and his unwavering dedication to finding the perfect policy within your budget makes him a standout professional. Don't hesitate to reach out to him for all your insurance needs—he is a true industry expert who will go above and beyond to secure your future.
Ana Vasquez
Ana Vasquez
Helpful, straightforward, master of his trade. Jo helped us to have financial options and availability of funds to invest. Thank you!
Samreen Khan
Samreen Khan
Joe is a neighbor of mine and a great guy. He puts your best interests first and is always there to answer your questions. He will guide you in the right direction for whichever financial plan works best for you. Couldn’t be happier with the experience I’ve had so far and excited to see what the future brings.
Michael Milici
Michael Milici
Joe helped me with my finances and built a strong foundation using life insurance to protect my family ans business from unforseen events. He also built me a tax free pension that will protect me from increase taxation and market volatility. I highly recommend IronHawk Financial for your financial future.
Christopher Ross
Christopher Ross
I have use Joe Lombardi for many years. He has always found the right plan for me and my family. Through Joe I was able to set up a life insurance plan for my family which made sense and helped with tax planning. I would recommend Ironhawk Financial for all your planning needs.
peter zichichi
peter zichichi
Joseph Lombardi knows the life insurance (and financial planning as a whole) space EXTREMELY well. I learn something new every time I speak with him... and that’s coming from an Estate Planning attorney! He has a dynamic and warm personality to match his expertise as well. Highly recommend reaching out to him for your insurance needs!
Bryan Etter
Bryan Etter
Great service. Highly recommend!!
Ezra Zimmerman
Ezra Zimmerman
Joe went above and beyond to help me get out of a bad life insurance policy and into one that fit my needs. For years I've been asking other companies/agents if there was anything I can do to get out of my policy and everyone turned me down until I met Joe. He immediately came up with a solution (1035 exchange) and when I went back to the other guys they all said "why didn't I think of that?" Unlike other agents he takes the time to get to know you, understand your family's long term goals, and puts you into a product that fits. I now have a multimillion dollar policy furnished by Ironhawk and in under one year I can already see my policy values doing better than they've ever done before. Thanks Joe.
Akrum Sheikh
Akrum Sheikh
I’ve been working with Joe for several years. He is always responsive and does right by his clients. He is the only name that comes to mind when someone asks me about life insurance.
Daniel Kaufman
Daniel Kaufman

Securing Your Future with Customized Financial Protection Plans

At IronHawk Financial, our mission is to provide a wide array of insurance solutions tailored to safeguard your financial health. We believe in a personalized approach; by taking the time to get to know you and your financial situation, we're able to design a plan that perfectly matches your individual goals. We understand that everyone's needs are different.

Below, we outline some of our core services, but our expertise doesn't stop there. To find out how we can assist you, your loved ones, and your business in creating a plan for a financially secure future, we warmly invite you to take advantage of our free, no-commitment consultation.

Contact us today to see how our knowledge and services can be tailored to fit your unique future needs.

Happy family with life insurance to protect their future.

Life Insurance: Ensuring Your Family's Financial Stability

The emotional toll of losing a loved one is immeasurable, making financial security during such times invaluable. Life insurance offers a way to provide for your significant other and children, allowing them the space and time to heal without the added stress of financial burdens.

While no one can ever replace you, ensuring that the quality of life you've worked hard to provide for your family continues, is a crucial step in planning for the unexpected.

Learn About Life Insurance

A Business Continuity Plan that is solidified by a Buy/Sell Agreement between business partners in the case of a death.

Buy/Sell Agreements: Safeguarding Business Continuity

A buy-sell agreement is a critical contract among business partners that ensures the smooth continuation of business operations in the event of a partner's death. This agreement mandates that the remaining partners, or the company itself, purchase the deceased partner's share in the business at a previously agreed-upon price.

By doing so, it addresses potential concerns around business continuity, ownership disputes, and financial stability, ensuring that the business remains operational and in the hands of the remaining owners or the company. Implementing a buy/sell agreement is a proactive step toward securing the future of your business and its stakeholders.

Learn About Buy/Sell Agreements

Man looking in his wallet and thinking about Disability Insurance that will protect his ability to earn income.

Disability Insurance: Protecting Your Most Valuable Asset

Often overlooked, your most valuable asset isn't your home, car, or retirement savings—it's your ability to earn an income. You are the vital source of your family's financial stability, akin to the goose that lays golden eggs.

While you may insure your tangible assets, ensuring the 'goose'—you—is equally important. Disability insurance offers a safeguard, ensuring that if circumstances ever impede your ability to work, you and your family's financial well-being remains secure.

Learn Disability Insurance

A smiling doctor representing the coverage of Long Term Care Insurance.

Long-Term Care Insurance: Supporting Extended Healthcare Needs

Long-Term Care Insurance (LTC) is designed to cover the costs associated with prolonged healthcare services, whether in the comfort of one's home or within a nursing facility. This type of insurance becomes crucial for individuals who, due to age, illness, or disability, can no longer manage basic daily activities without assistance.

LTC provides financial support to help cover the expenses of extended care, ensuring that individuals receive the necessary care while preserving their quality of life and financial security.

Learn About Long-Term Care

Workers celebrating that they are protected by Workers Comp Insurance

Workers' Compensation: Essential Protection for Employees and Employers

Workers' compensation is a pivotal form of insurance designed to cover medical expenses and rehabilitation costs for employees who suffer injuries on the job. It plays a critical role in ensuring that injured workers receive the care they need without the added stress of lost wages during their recovery period.

Beyond aiding employees, workers' compensation provides vital protection for employers, safeguarding against potential lawsuits from injured workers in most scenarios. This coverage represents a key component of workplace safety and financial security for both employees and employers alike.

Learn About Workers' Comp

A bank vault or safe as a visual for getting Business Coverage Insurance to safeguard your business.

Business Coverage: Protecting Your Enterprise's Future

Every business, regardless of its industry or size, commits each day to excellence and customer satisfaction. At Ironhawk Financial, we aim to mirror that dedication by offering comprehensive business coverage solutions.

Our goal is to safeguard your business against unforeseen financial challenges, ensuring its continued operation and financial well-being. Let us support your enterprise's resilience and growth by providing the protection it deserves, allowing you to focus on delivering exceptional service to your customers.

Learn About Business Coverage

Build Your Financial Knowledge
with These Books from
wealth expert Joseph Lombardi

There's a Better Way Than a 401k
Long-Term Care without Long-Term Pains
Being Your Own Bank

INSURANCE Carriers We Work With

Insurance Carriers we work with.