Our Portfolios

Our portfolios are a bit different than most RIAs.

Our Philosophy on Money Management

Our philosophy on money management is fairly simple; we want to find the best 3rd party managers we can and use them appropriately when constructing portfolios.

The key with any RIA platform

The key with any RIA platform is to offer a diverse grouping of portfolios so the most “suitable” ones can be chosen for clients to help them achieve their financial planning goals.

Our portfolios are a bit different than most RIAs

Our portfolios are constructed and overseen by our CIO (Chief Investment Officer) Joseph Maas, CFA, CFP®, ChFC, CLU®, MSFS, CVA, ABAR, CM&AA, CCIM

Our portfolios are a bit different than most RIAs. Why?

Because when we are talking about asset allocation we are talking about using asset classes like FIAs (Fixed Indexed Annuities), strategies designed by AI (Artificial intelligence), as well as various 3rd party money managers (who all have different styles).

POM Intelligent Allocation Strategies

The POM Intelligent Allocation Strategies are ideal for investors seeking to be both tactical and defensive in their allocation to multi-asset class investing. The goal is to provide investors with adaptive allocations to stocks and bonds suitable for all market conditions, resulting in reasonable risk-adjusted total returns. The managers will increase or decrease the equity and fixed income exposure as the markets ebb and flow between risk-on and risk-off assets. The strategies are tactical in that they can hold up to 100% cash or cash equivalents via a fundamental analysis process, or through a tactical overlay process. The strategies seek to adjust to changing market fundamentals and technical factors by rebalancing quarterly and incorporating quantitative and qualitative analyses. Additionally, the managers may adjust the portfolio between quarters if deemed necessary. The POM strategies are suitable for core allocations in conservative, moderate, and even growth portfolios. The POM strategies take a multi-manager approach to portfolio construction with each manager being selected by our CIO based on the manager’s overall contribution to the total portfolio.

As stated above, our strategies also incorporate the latest technology in artificial intelligence (AI). At any given time, our strategies may utilize between 1 and 5 managers.  There is no guarantee that POM strategies will meet their performance expectations.

POM Strategies:

Multi-Manager Conservative
Multi-Manager Moderate Conservative
Multi-Manager Moderate
Multi-Manager Moderate Growth
Multi-Manager Growth

Our portfolios all have an OnPointe Risk Analyzer “Risk Score.”

We also have a “white glove” service (this is for higher net worth clients who need or demand a more hands-on/unique investment offering

If you would like to learn more about our management philosophy and whether it may fit in with what you are trying to accomplish with your investible dollars, simply email info@pomplanning.info or give us a call at (888) 892-9882.

We are very excited to have such a top-notch advisory board!
POM Team

Joe Maas is the Chief Investment Officer and lead portfolio manager for Synergy Financial Management LLC (SFM). A highly trained financial analyst, Joe is responsible for analyzing current and potential investments for the firm through deep fundamental analysis, researching industry trends, speaking to industry experts, and through a thorough understanding and application of quantitative methods and technical analysis. Mr. Maas is very unique because he is certified in so many areas of expertise. He has earned certificates from nine prestigious organizations, and, with over two decades of financial industry experience, his unique core specialty is providing comprehensive investment management services for individual investors, business owners, and financial advisors.

  • We are Commit to Work Daily to Get it Right
  • Embrace Integrity And Openness
  • Practice Responsible Stewardship of Your Money
  • Invest Like it is Our Own Family
  • Strive To Keep Expenses Low
Ad Astra’s team consulting proved to be the tune up we needed to improve our campaign results, and it really shows on our turnover.
Brenda McIntyre
Majestic Vista LLC

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Ready to learn more about POM Planning and why we may be a good fit to accomplish your financial and/or retirement planning goals?
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