Sierra Financial Planning

read moreWe recommend a globally diversified portfolio utilizing low cost indexed investment vehicles. Exhaustive academic research has shown that investing in individual stocks, defined as active investing, almost always yields returns less than unmanaged market indexes. Because financial markets are efficient, any attempt to beat them frequently produces disastrous results. We develop diversified portfolios by combining asset classes that in the short term move dissimilarly to one another. This strategy helps to reduce risk within one's portfolio.

read moreSierra Financial Planning & Asset Management never takes possession of a client's funds. All funds are held by Charles Schwab Institutional. Charles Schwab is one of world's largest brokerage firms with over $2 trillion of client assets. Charles Schwab provides monthly account statements and clients can access all of their account information at anytime at schwab.com.

read moreWe have an annual fixed fee based on the complexity of a client's portfolio. Typically, this fee is less than the standard advisor pricing of a percentage of assets under management. We receive no compensation from any of the investments we recommend. We do not sell any commissioned based products. A typical person may spend 25% to 30% of their life in retirement. This means they have to manage their investments and withdrawals wisely or face the risk of running out of money before they run out of life-not a pretty picture.