Your Options

You want to review and implement financial strategies to get you on track for retirement, pay down debt wisely, pay less in taxes, invest responsibly, plan for future large expenses such as education, and make sure you are appropriately protected with insurance.

Limited To 35 Clients

Premier Financial Planning

$250/Month

($3,000 annual contract)

All Financial Planning Services
Individual Tax Preparation
Access To All Pomegranate Resources
Unlimited Meetings
Tax Planning

Limited To 40 Clients

You have a few questions that you need answered. You enjoy learning and working on your own finances and are looking to confirm what you are doing with your finances. Or you don't have much money, but know you need help with financial advice.

Pomegranate Membership

$100/Month

($1,200 annual contract)

Four 1-Hour Meetings
Individual Tax Preparation
Unlimited Emails
Access to Financial Planning Software
Access to Pomegranate Tax Videos

Financial Planning Services

Debt Management

Tax Planning & Preparation

Cash Flow

Employer Benefits

Retirement Planning

Education Planning

Estate Planning

Credit

Goals

Insurance Analysis

Pomegranate Financial Investment Philosophy & Process

At Pomegranate Financial, I follow a Passive Index, Low-Fee, Buy & Hold strategy tailored to your goals and risk capacity.

How It Works

Review your current portfolio
Discuss your goals and risk capacity
Educate you on strategy and options
Help you open, consolidate, or connect accounts, as needed

Implement Relevant Investment Strategies

Roth Conversions
Automate RMDs
Automatic Rebalancing
Asset Location
Tax Loss Harvesting
Qualified Charitable Distributions (QCDs)

Fees & Flexibility

No rollover required
No product pushing
Transparent guidance on strategy, fees, and risk

Investment Analysis versus Investment Management

Investment Analysis

Is a Snapshot.

I review your portfolio based on where things stand today. I review your accounts, explain what's working, and suggest possible improvements based on your current financial goals.

But your life changes, the market changes, and eventually that snapshot goes out of date.

I prefer to provide you investment management, but sometimes you cannot transfer investments to Betterment. For example, your current 401(k) cannot be transferred. Other times it does not make sense to move your investments.

This service is provided automatically through Premier Financial Planning & Pomegranate Membership.

Investment Management

Is the Full Video.

Through the Betterment platform, I can actively monitor your portfolio over time, make ongoing recommendations, and help you adjust course as your life evolves: whether that's market swings, job changes, or retirement goals.

See Pricing Below

Investment Management Fees

Pomegranate Financial Fee

0.10%**

Betterment Annual Fee

0.15%

Your Total Annual Fee

0.25%*

The annual advisory fee is tiered, prorated and paid at the end of each quarter. Betterment will debit your account for both Betterment's annual fee and PF's annual fee, and will remit PF's annual fee to PF. The upfront on-boarding fee is paid at the end of the Investment Management meeting.

**This fee has a cap of $1,000 which means a household balance over $1MM still only pays a max of $1,000/Year.

Why should I have Pomegranate Financial manage my Investments?

Goal-Based Investing: Whenever you invest, you should have a purpose to your investment. It may be for a home in 10 years, retirement in 20 years, or business venture in 6 years. Typically, it is not recommended to invest for goals that are less than 5 years away due to the volatility of the market.

Avoiding Market Timing: I help clients follow a strategy that mirrors the market's long-term performance rather than trying to beat it.

Low-Cost Investments: I prioritize keeping fees low by using index funds, which tend to offer lower expense ratios compared to actively managed funds.

Automatic Rebalancing: Over time, markets shift and can alter your portfolio's balance. Through Betterment, I use automatic rebalancing to maintain the original asset allocation by selling over performing assets and buying underperforming ones, keeping your portfolio aligned with your goals.

Diversification: I don't recommend holding individual stocks unless there's a specific reason, like stock options through employment. A well-diversified portfolio reduces risk while maintaining growth potential.

Dollar-Cost Averaging: Consistently investing a set amount over time helps reduce the impact of market volatility.

Tax-Efficient Investing (Asset Location): When appropriate, I manage taxes by strategically allocating investments based on your taxable, tax-deferred, and tax-free accounts to maximize tax efficiency.

Broader Diversification: Along with large-cap stocks, I recommend including small-cap, mid-cap, and international funds to capture broader market growth and reduce overall risk.

Behavioral Guidance: Emotions and opinions on what might happen in the market can lead to permanent loss. I help clients stay on the path to achieving their investment goals by not making emotional changes to their portfolios.

Direct Visibility of Accounts: Being able to always see your accounts at Betterment makes for seamless work together. For example, I'm able to download the tax documents each year through Betterment in helping prepare tax returns.

Streamlined Adjustments: Making changes together is very simple and easy through Betterment. As an example, it might make sense to process Roth Conversions in the event the market drops a lot in a short amount of time. I help process the conversion with a quick phone call and in less than 5 minutes the process is initiated and emails are sent out confirming the conversion.

Ongoing Spending Strategy: Betterment's platform makes it easy to create an automated ongoing spending strategy in retirement. Through custom financial planning we determine how to create that spending strategy and automate it so you know how much to live on monthly.

Transparent Pricing: Fees are easy to understand. Betterment fee of 0.15%, Pomegranate Financial of 0.10%, and investment funds range from 0.04-0.11% (an average of 0.08%). These fees are close to the lowest in the industry and enable your portfolio greater growth and thousands of savings over the long-run.

Tax-Loss Harvesting: I help you determine if this strategy is relevant. Betterment automatically applies it for you while avoiding the wash sale rule.

Examples of Pomegranate Financial Planning

1. Whether to sell your home and pay off debt or stay in your home.

2. How much to convert from your Traditional IRA to Roth IRA and knowing how to pay for the taxes due from the Roth conversion.

3. Using credit cards to reduce the interest you pay on debt.

4. Properly investing in your 401(k)

5. Whether to sell a rental and enjoy tax free gains or to keep it long-term.

6. How much life insurance to purchase and for how long.

7. Whether to keep a permanent life insurance policy or not.

8. Exploring options for retirement and whether to purchase an annuity.

9. How much to take out from your retirement investments and from which retirement accounts (Roth, taxable, IRA, 401(k), etc.

10. How much to set aside for your emergency fund.

11. Applying for new credit cards to increase your credit score and your financial flexibility.

12. Reviewing employer benefits and which ones to opt into and which ones to opt out of.

13. Contributing more to your Health Savings Account and using it more often for qualified expenses

14. Whether to take money out of your 401(k) and preparing for the taxes.

15. Which debts to pay off first and how to pay them off faster.

16. What to do with a large sum of money or what to do with your extra savings.

17. Whether to purchase another rental property or not

18. If you have enough insurance coverage or need more

19. If your investments are allocated correctly

20. What options you have to lower your taxes

21. How much you pay in taxes, what types of taxes you pay, why you pay those taxes, and how to lower the amount you pay in taxes.

22. Whether to save into a Roth 401(k) or Traditional 401(k)

23. What to do to be on track for retirement

24. Whether to purchase company stock options or not

25. How to start the estate planning process