Pomegranate Financial LLC

Pomegranate Financial LLC provides advisory services to individuals (including both typical retail and high‑net‑worth clients), as well as charitable organizations and corporate entities, offering investment management, comprehensive 12‑month financial planning, project‑based hourly planning, and tax preparation. Investment management is delivered primarily through a third‑party arrangement with MTG, LLC dba Betterment Securities, while tax preparation and related tax planning work are handled through third‑party preparers (DJAS) and an affiliated accounting practice.

The firm’s investment approach emphasizes passive, asset‑allocation based portfolios implemented on Betterment’s wrap‑fee platform, with the adviser assisting clients on portfolio selection, behavioral guidance, and periodic reviews; PF also offers cryptocurrency exposure through Betterment’s platform. Financial planning engagements are typically structured as year‑long relationships that produce written plans and ongoing monitoring, and the brochure distinguishes between non‑managed investment analysis for client accounts and ongoing managed accounts held at Betterment.

Distinctive aspects noted in the brochure include an operational affiliation with an accounting/tax business (the principal operates Pomegranate Taxes Inc. and devotes material time to tax preparation), inclusion of individual tax preparation as part of certain planning and membership services, and a stated program of educational seminars and a subscription membership that bundles planning tools (including a Monarch Money subscription). The firm also discloses a material business relationship with Betterment For Advisors (access to platform services and support), and it accepts both individual and institutional clients (charitable organizations and businesses), which are less common characteristics among similarly sized independent advisers.