Investment Management

Pomegranate Financial follows a Passive Index, Low Fee, Buy & Hold strategy based on your goals. In our meeting PF will Educate, Review your Portfolio, and Onboard your Account(s) as applicable.

Pomegranate Financial uses the Betterment Platform to manage investments - one of the highest rated Robo-Advisors. The Betterment Platform combined with expertise at Pomegranate Financial helps you incorporate strategies that enhance your financial life and investments. These include automated investing, re-balancing, SEP IRAs, Roth Conversions, automated RMDs, asset location, and more.

Investment management is different than our Investment Analysis. Investment analysis is included in a Planning or Membership Agreement where your investments (wherever they are) are analyzed with recommendations on any adjustments to be made.

Pomegranate Financial does not require you to rollover your investments. Instead, investment selection, strategies, fees, and benefits are reviewed to analyze the best place for your investments.

Our Investment Philosophy is Simple

Investment Management Fees

*Upfront Investment Meeting Fee: $200

Annual 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.

*The Upfront Investment Meeting Fee can be waived if you sign up for any financial planning contract or the Pomegranate Financial Membership.

**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.

Ongoing Spending Strategy:

Transparent Pricing: Fees are easy to understand. Betterment fee of 0.15%, Pomegranate Financial of 0.10%, and investment funds range from 0.04-1% (an average of 0.08%). These fees are 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.

Investment Management