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)
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All Financial Planning Services
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Individual Tax Preparation
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Access To All Pomegranate Resources
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Unlimited Meetings
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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)
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Four 1-Hour Meetings
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Individual Tax Preparation
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Unlimited Emails
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Access to Financial Planning Software
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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
​At Pomegranate Financial, I follow a Passive Index, Low-Fee, Buy & Hold strategy tailored to your goals and risk capacity.
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How It Works​
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Review your current portfolio
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Discuss your goals and risk capacity
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Educate you on strategy and options
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Help you open, consolidate, or connect accounts, as needed
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Implement Relevant Investment Strategies
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Roth Conversions
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Automate RMDs
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Automatic Rebalancing
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Asset Location
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Tax Loss Harvesting
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Qualified Charitable Distributions (QCDs)
Fees & Flexibility
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No rollover required
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No product pushing
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Transparent guidance on strategy, fees, and risk
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.
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**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?
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​​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.
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Avoiding Market Timing: I help clients follow a strategy that mirrors the market's long-term performance rather than trying to beat it.
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Low-Cost Investments: I prioritize keeping fees low by using index funds, which tend to offer lower expense ratios compared to actively managed funds.
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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.
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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.
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Dollar-Cost Averaging: Consistently investing a set amount over time helps reduce the impact of market volatility.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Tax-Loss Harvesting: I help you determine if this strategy is relevant. Betterment automatically applies it for you while avoiding the wash sale rule. ​
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