Sierra Financial Planning

Sierra Financial Planning & Asset Management is a Registered Investment Advisor licensed by the state of California. Our owner, Jack Johnson, is both a Certified Financial Planner (CFP) and a Certified Public Accountant (CPA) with over 35 years of financial expertise. Jack's extensive experience and knowledge enable us to provide the highest level of personalized service while offering professional, independent, and unbiased advice. Our goal is to help clients achieve their financial goals by creating and managing a tailored financial plan.

Our Services

We offer a range of services including financial planning and asset management. Our financial planning services involve evaluating and assessing clients' current financial situation, preparing a written financial plan based on their goals and risk tolerance, and assisting in implementing and monitoring the plan. For asset management, we construct and manage a globally diversified portfolio that includes investment selection, transaction execution, portfolio rebalancing, and tax loss harvesting as needed. We also provide quarterly reporting and in-person client meetings.

Investment Strategy

We recommend a globally diversified portfolio utilizing low-cost indexed investment vehicles. Our strategy is based on extensive academic research, which shows that investing in individual stocks (active investing) often yields returns less than unmanaged market indexes. We believe in diversifying across asset classes that move dissimilarly in the short term to reduce risk. We use indexed-based investments to capture the entire return of each asset class and follow a strict buy-and-hold discipline with periodic rebalancing to target allocations. Our preferred mutual fund family is DFA (Dimensional Fund Advisors), which offers low-cost, tax-efficient, indexed-based mutual funds across a broad range of asset classes.