Home of the Tax-Free Pension
Create a robust, 6- or 7-figure, tax-free pension for life.
Our Focus
Specializing in Tax-Free Pensions
At Emerald Tide Financial, we specialize exclusively in Tax-Free Pension strategies. We believe that everyone deserves access to sophisticated retirement strategies that were once reserved for the wealthy.
Our strength lies in doing one thing exceptionally well:
Designing, building, and implementing best-in-class tax-free pensions for our successful, high net-worth clients.
This is what we do all day, every single day.
And we love what we do.
Our loyalty is to our clients first. We are not captive to any company.
When you work with Emerald Tide Financial, you're partnering with a team that puts your interests first, always.
The Tax-Free Pension's Advantages
The 6 Factors
Why Choose a Tax-Free Pension?
Discover the advantages that make Tax-Free Pensions the smart choice for building lasting wealth.
Tax-Free Growth
Watch your retirement funds grow without the burden of annual taxes eating into your returns.
Tax-Free Income
Access your money in retirement completely tax-free, maximizing every dollar you've saved.
Market Protection
Sleep soundly knowing your account is protected from market downturns.
No Contribution Limits
Unlike traditional retirement accounts, there are no government-imposed limits.
Legacy Planning
Pass on wealth to your loved ones efficiently, with tax advantages that preserve your legacy.
Institutional Protections
An A+ rated US financial institution custodies and controls your account. No one can do anything stupid or bad with your hard-earned money.
About Us
About Emerald Tide Financial
We are dedicated to helping individuals and families create robust, tax-free pensions that provide financial security for life.
At Emerald Tide Financial, we believe that everyone deserves access to sophisticated retirement strategies that were once reserved for the wealthy.
Our founder, Neil Gronowetter, walked away from a robust pension and benefits package to fulfill his vision of serving clients first—not any particular company or product.
The Tax-Free Pension's Advantages
- Unlimited tax-free growth on your contributions
- Up to 6-or 7-figure, tax-free annual income in retirement
- No cap on contributions
- No requirements to fund other employees
- Lump sum, tax-free payout to your family after your death
Our Values
The principles that guide everything we do at Emerald Tide Financial.
Client First
Your financial success is our primary goal. We put your interests ahead of everything. We are not captive to any company.
Independence
Access to strategies and services most advisors can't offer.
Education
We empower you with knowledge for informed financial decisions.
Transparency
No hidden fees, no surprises. Clear, honest guidance every step.
White-glove service
No phone trees. No yelling "representative," "agent," or "my voice is my password" to get to a human being. Concierge level service and responsiveness for our sophisticated clients.
Our Team
Meet Our Team
The dedicated professionals behind Emerald Tide Financial, committed to helping you achieve your tax-free retirement goals.
Neil Gronowetter
Founder & CEO
Neil Gronowetter
Founder & CEO
10 Things You Didn't Know About Neil
Neil was a semi-finalist on the Jeopardy! Teen Tournament in 1988, winning $5,000 along with an assortment of prizes including Creamettes, Hormel Chili, and a Bissell vacuum cleaner.
He was the first person in his family to graduate college, earning his degree from Yale University in 1993 and his law degree from the University of Southern California Law School in 1996.
Neil met his wife at a swing dance concert in midtown Manhattan. He walked across the room, extended his hand and said: 'Come dance with me.' She did. They are happily married and live with their 3 children in Weston, Connecticut.
Before working in financial services, Neil was president of a commercial real estate brokerage. He procured $3.1 billion in commercial real estate for private wealth offices, private equity groups and publicly traded companies.
Neil started his career as a trial attorney in private practice and the Bronx District Attorney's Office. He tried and managed 24 jury trials from inception to verdict, with 17 victories.
He has spoken in front of thousands of people about preparing for retirement and not outliving your money. He has been seen on ABC, CBS, NBC, FOX and PBS.
Neil walked away from a robust pension and benefits package to fulfill his vision of serving clients first—not any particular company or product. As Founder & CEO of Emerald Tide Financial, Neil's independent financial services platform delivers services and strategies most advisors and their accountants don't know about or can't access.
Brendan O'Donnell
Vice President
Brendan O'Donnell
Vice President
10 Things You Didn't Know About Brendan
Brendan previously worked for the 2nd largest distributor of US financial products for 13 years. During that time, he grew a book of business from 2 financial service professionals to 582 financial service professionals!
Under Brendan's leadership, his financial service professionals provided over $470 million in financial services to their clients.
Brendan started his career at Putnam Investments. At the height of the 2008 Global Financial Crisis, and in less than 3 years, he procured over $90 million in new assets.
He has been happily married to his wife, Rachael, for 7 years. They share a healthy, active, fun-loving 4-year-old son, Alex. They live in the suburbs of Raleigh, North Carolina.
Brendan's grandfather was Chief Counsel on the Senate Permanent Subcommittee of Investigations on Organized Crime. He replaced Sen. Robert F. Kennedy.
He graduated Plymouth State University with a degree in Business Management, following in the footsteps of his father, who was chosen 'Mr. Plymouth State University' by the school newspaper.
He has spoken to thousands of financial advisors at public events about strategies for maximizing tax-free pensions for clients.
Hubert
Chief Morale Boosting Officer (CMBO)
10 Things You Didn't Know About Our CMBO
Hubert is a 5 year-old goldendoodle.
For the 5th year in a row, Hubert has served as Chief Morale Boosting Officer (CMBO) of Emerald Tide Financial, while also still holding the coveted title of "World's Best Doggie"!
He is very fond of cheese, cooked meat and chicken, and Kirkland Signature Grain-Free Dental Chews Dog Treats. Once you give Hubert one of these treats, he will run away quickly – despite repeated, calm assurances that you will not take back his treat.
Hubert is very partial to belly rubs and back scratches.
He warmly receives positive affirmations that he is a "good doggie," a "very good doggie," or "best doggie in the world."
He loves walks, meeting new people, and going for rides with family.
He is much less fond of delivery men and their delivery trucks – despite repeated assurances that they mean him no harm.
His close friend and companion is a 5 year-old cat named Cat.
After Hubert comes back from the groomer, he walks with an extra spring in his step; he loves to be told how much handsomer he looks, freshly washed.
He likes going to the dog park and is partial to smaller dogs and other doodles.
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