Business Details
23 Years
experience
Your Trusted Partner for Financial Planning & Asset Management Solutions
At Sierra Financial Planning & Asset Management, we have dedicated ourselves to providing independent, fee-only financial advisory services since 2003. Our founder, Jack Johnson, brings over 35 years of financial expertise to every client relationship, combining his dual credentials as both a Certified Financial Planner and Certified Public Accountant. We specialize in creating personalized financial strategies that align with individual goals and risk tolerance, focusing exclusively on the best interests of our clients without any product sales or commissions. Our disciplined investment approach emphasizes globally diversified portfolios using low-cost indexed vehicles, supported by rigorous academic research. We maintain transparency through Charles Schwab Institutional custody, ensuring clients have direct access to their assets at all times.With offices in Roseville, California, we serve clients across Northern California through in-person meetings and ongoing portfolio management. Our commitment to professional integrity has earned us recognition as a Registered Investment Advisor licensed by the California Department of Business Oversight. We believe in building long-term relationships through consistent communication, quarterly reporting, and regular portfolio rebalancing to maintain optimal investment positioning. Our tax-efficient strategies include tax loss harvesting opportunities to maximize after-tax returns for clients. As fiduciaries, we uphold the highest standards of ethical conduct in all client interactions.
Services
Financial Planning
Asset Management
Retirement Planning
Investment Strategy
Tax Loss Harvesting
Portfolio Rebalancing
Details
- Year established: 2003
Highlights and features
- We operate as a 100% fee-only advisory firm with no product commissions
- Our founder holds dual certifications as both CFP and CPA
- We've maintained the same evidence-based investment philosophy since 2003
- All client assets are held by Charles Schwab Institutional
- We provide quarterly portfolio reporting and regular rebalancing
Services
Financial Planning
We create comprehensive financial plans tailored to individual goals and risk tolerance. Our process evaluates current financial situations to develop actionable strategies for long-term security. Clients receive detailed written recommendations and ongoing implementation support.
Asset Management
Our asset management service constructs globally diversified portfolios using low-cost indexed investments. We implement strategic asset allocation based on client objectives and risk capacity. Regular rebalancing maintains target allocations while tax loss harvesting opportunities are actively pursued.
Retirement Planning
We develop customized retirement plans considering income needs, tax implications, and longevity factors. Our analysis includes Social Security optimization and required minimum distribution planning. We monitor progress toward retirement goals through quarterly reporting.
Investment Strategy
Our evidence-based strategy utilizes Dimensional Fund Advisors' indexed mutual funds across multiple asset classes. We maintain strict buy-and-hold discipline with periodic rebalancing. Investment decisions are grounded in academic research on market efficiency.
Tax Loss Harvesting
We actively identify tax loss harvesting opportunities within client portfolios. This strategy offsets capital gains through strategic security sales while maintaining proper asset allocation. Our approach maximizes after-tax returns without compromising investment objectives.
People
Jack Johnson
Owner
Certified Financial Planner and Certified Public Accountant with over 35 years of experience. UC Davis graduate specializing in evidence-based investment strategies. Provides personalized financial planning services in Roseville, California.
Questions
What services do you offer?
We provide comprehensive financial planning, asset management, retirement planning, and tax-efficient investment strategies tailored to individual client needs.
Are you a fee-only advisor?
Yes, we operate exclusively as a fee-only advisory firm with no product sales or commissions. Our compensation comes directly from client fees.
What investment approach do you use?
We implement globally diversified portfolios using low-cost indexed mutual funds from Dimensional Fund Advisors based on academic research on market efficiency.
How are client assets held?
All client assets are held at Charles Schwab Institutional. We never take possession of client funds and provide monthly account statements directly from Schwab.
Do you offer retirement planning?
Yes, we specialize in retirement planning including income strategy development, Social Security optimization, and required minimum distribution planning.
What credentials do you hold?
Our founder holds both Certified Financial Planner (CFP) and Certified Public Accountant (CPA) designations with over 35 years of financial expertise.
