Wealth Management

A successful financial planning experience is more than exceptional returns. It includes offering peace of mind in knowing that you're not going through the financial journey alone.

A strong financial plan serves as a vital guide, facilitating prudent decision-making, navigating both expected and unexpected milestones, and evaluating alignment with your life's journey. We are committed to aiding you in clarifying your vision and goals, collaborating to actively pursue them.

Our approach begins with an impartial and comprehensive assessment of your financial landscape. Similar to an annual checkup with a physician, we will carefully diagnose your situation before recommending a course of action. Through the analysis and prioritization of elements in your financial scenario that require attention, together we will formulate an optimal planning course of action. This systematic process allows us to gauge the effectiveness of your existing financial strategies and tools, promoting a closer alignment of your choices and assets with your overarching objectives.

Typical Areas of Financial Planning (but customized to your needs)
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Retirement Planning

Without a thoughtfully crafted financial plan, sustaining one's lifestyle and confidently spending hard-earned accumulations can prove challenging. By creating a retirement plan, you can gain the confidence if you are on track to live the retirement that you dreamed of.

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Risk Management & Asset Preservation

Without suitable insurance coverage, you may not adequately safeguard the people and possessions that hold significance for you. Maintaining an appropriate level of insurance ensures protection when facing challenges on the path to your envisioned future.

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Cash Flow Planning

The timing of cash flows is important in both business and personal life. Insufficient liquidity when needed can result in missed opportunities, such as not purchasing your dream home or forgoing the purchase of a desired asset for your business. Conversely, if liquidity is not required, maintaining excess cash may not earn as much as it could for you.

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Debt Management

Debt has the potential to impede your progress toward long-term goals. While it can serve as a prudent financial tool, improper management of debt may lead to considerable financial stress. A well-devised plan allows you to determine affordable debt levels, utilize debt tax-efficiently, and ensure that terms and rates align appropriately with your financial situation.

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Balance Sheet Optimization

Efficiently managing one's balance sheet is a vital tool for individuals, families, and businesses. Given the diversity in everyone's financial situation, the approach managing ones balance sheet (allocating income, making asset purchases, and utilizing debt, etc) varies depending on one’s financial goals, risk tolerance and time horizon.

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Estate Planning

In the absence of an estate plan, your family may incur unnecessary tax and legal expenses, all while your estate may become a matter of public record. A proper estate plan ensures that your assets are distributed in alignment with your values, safeguards your heirs, minimizes or eliminates estate taxes, reduces family conflicts, and simplifies the administration of the estate for your family.

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Education Planning

If supporting your children or grandchildren receive a higher education is a priority, it's essential to make use of available education planning strategies. An education plan allows you to evaluate future costs and decide on the most tax-efficient means to fund this expense.

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Tax Awareness

Maximizing your tax efficiency is a crucial component of a carefully crafted financial plan. It entails actively seeking strategies to reduce both current and future tax obligations, ensuring you only pay the minimum necessary amount of taxes.

The second part of wealth management is investments. To help achieve the goals created within your financial plan, we implement thoughtful investment strategies that take into account the unique aspects of your situation. Our definition of a successful investment experience goes beyond exceptional returns; it provides peace of mind and confidence knowing there's someone with you every step of the way.

What We Believe

Our investment portfolios are underpinned by decades of investment research that have been applied in the “real world”, not just academic papers and back tests. Portfolios are customized for your specific situation through thoughtful risk mitigation and strategic diversification.

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Controlling for risk is essential
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Markets can be unpredictable
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Asset Allocation drives returns
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Diversification is important
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Proactively manage taxes
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Eliminate excessive fees
Investment Strategies
Risk Controlled Growth

Optimize the portfolio to achieve a comfortable investment experience based on your long term retirement / investment goals.

Absolute Return

Target a positive return in various economic environments by focusing on higher income investments and holdings with low correlation to traditional portfolios.

Private & Alternative Investments

Non-traditional investments targeting diversification benefits and higher income such as private lending, distressed debt, real assets, managed futures, diversified arbitrage and reinsurance.

Capital Preservation

Protect the value you’ve worked to accumulate.

Cash Management

Maximize current yield on cash held personally or in your business.

Asset Liability Matching

Matching investment maturity to when it is targeted to be used.

STEP ONE
Initial Investment Review
  • Review current investment accounts, risk-level, and fees (hidden and explicit)

  • Discuss personal investment “pain-points”, preferences and overall objectives

  • Draft personalized investment recommendations

STEP TWO
Investment Implementation
  • Coordinate asset transfer

  • Formulate tax-efficient implementation gameplan

  • Agree on investment strategy

  • Execute Investment Policy Statement

STEP THREE
Investment Management
  • Proactively monitor and manage the portfolio

  • Systematically rebalance the portfolio

  • Limit fees & taxes where possible

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Ongoing Investment Review
  • Review any questions/concerns you may have

  • Reconfirm alignment with financial plan

  • Implement updates to the portfolio

Let's Get Started

Schedule a call with Pomona Wealth Management to see if we're the right fit for your situation

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What is Wealth Management?

Many advisors in the industry just focus on money management. While this is an important aspect, we believe this is only a piece of what is important when it comes to comprehensive wealth management. Just like an annual health check-up, your financial “house” consists of multiple independent parts working together - such as investment management, cash flow planning, retirement planning, estate planning and tax management.

Whether we’re providing advice on one, or all of these aspects, we will work together on executing and implementing the agreed upon plan to ensure we’re able to measure progress and achieve your goals in a prudent, accountable fashion.

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Our Typical Clients
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Retirees
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Hanford area
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Agriculture
buldings
Foundations
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Business Owners
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Farm Credit Employees
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Public employees
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Executives w/ Equity
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Pomona Wealth Management is a registered investment advisor.  All content is for informational purposes only and does not constitute investment advice or an offer to buy or sell securities.  All investments include the risk of loss.  Past performance is not indicative of future results.  Pomona Wealth Management does not provide tax or legal advice.  Consult with a qualified professional prior to making investment decisions.