Financial Tech Rewriting The Future!

November 24, 2025•3 min read

Nathan Garcia is a serial entrepreneur, certified financial planner, angel investor, and founder of the Pocket Plan app. In his conversation with R. Kenner French, he explains how he bridges “old-school” financial services with modern technology to better serve clients and scale as an entrepreneur. He holds designations like CFP and Series 66, runs a digital marketing agency, manages investments, and has built a vertically integrated business where every piece—advice, marketing, software—works together to grow his brand and client base.

Nathan shares how the idea for Pocket Plan came from a real client experience: a business owner who had multiple advisors—CPA, estate planner, financial advisor, insurance agent—each giving different recommendations. Nathan had to build around 300 financial plans to model all the scenarios, and he realized there was no central, collaborative platform for everyone to work from. Pocket Plan was created to solve that: a secure, real-time personal financial model where a client can see net worth, cash flow, investments, and share that same data with multiple advisors so everyone is finally working off the same “recipe” instead of separate spreadsheets.

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He explains that Pocket Plan is accessible via pocketplan.io (and ranks for “pocket plan”), connects through Plaid to pull in live financial data, and pre-populates standard financial reports. While only about 15% of his revenue currently comes from the app, 35% comes from his marketing agency and 50% from assets under management. Still, the app has helped grow his business by around 20–25% over the past few years and, more importantly, gives him global scalability—expanding versions for the US, UK, Canada, Australia, and more. It also differentiates him in a crowded advisory space and creates recurring, leverageable value.

On the planning and tax side, Nathan focuses heavily on shifting income from earned income to long-term capital gains, using structure, entities, and strategy. He looks at a client’s operating agreements, ownership structure, and how multiple LLCs or entities can be used for legal protection, asset protection, and tax efficiency—like owning a building in a separate LLC and renting it back to the operating company. His goal is to make the business a true asset that can function without the owner, so they can work because they want to, not because they have to, while also ensuring proper estate planning so assets smoothly pass to family.

Toward the end, Nathan emphasizes the importance of learning from and serving the younger generation, who think differently about business models and are driving new markets—much like how Airbnb disrupted hospitality. He encourages entrepreneurs and advisors to act as bridges between generations: passing down wisdom while staying open to new ideas and tech-driven models.

Takeaways

• Technology integration is crucial for modern business success.

• The financial services industry is evolving with technology.

• Creating a personal financial model can simplify decision-making.

• Understanding different advisors' incentives is key for entrepreneurs.

• The Pocket Plan app helps clients manage financial information effectively.

• Business structure impacts income and tax efficiency.

• Long-term capital gains are more advantageous than earned income.

• Younger generations have different business perspectives worth considering.

• Building a global business is possible with the right technology.

• Positioning entrepreneurs to work for choice, not necessity, is essential.

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