Business Details
Your Trusted Financial Advisers in Granite Bay, CA
We are a full-service fee-only financial planning and asset management firm dedicated to providing independent, unbiased advice. Our practice is built on a foundation of integrity, with a commitment to representing only our clients' interests. With over 35 years of combined experience, our team leverages deep financial expertise to deliver personalized solutions tailored to individual goals. We specialize in creating comprehensive financial plans and managing globally diversified portfolios using low-cost indexed investments. Our disciplined approach emphasizes tax efficiency, risk management, and long-term growth strategies. We maintain transparency through quarterly reporting and in-person client meetings, ensuring clients remain informed and engaged.As a Registered Investment Advisor licensed in California, we adhere to rigorous regulatory standards while maintaining custody of assets through Charles Schwab Institutional. Our fee-only structure eliminates conflicts of interest, and our owner's dual CFP and CPA certifications demonstrate our commitment to financial excellence. We offer a complimentary one-hour consultation to help potential clients understand how our services can support their financial objectives. Our focus on client education and empowerment has established us as trusted advisors in the Granite Bay community.
Services
Financial Planning
Asset Management
Retirement Planning
Investment Selection
Portfolio Rebalancing
Tax Loss Harvesting
Quarterly Reporting
Client Meetings
Highlights and features
- We offer fee-only financial planning with no commissions or product sales
- Our owner holds both CFP and CPA certifications for comprehensive financial expertise
- 35 years of experience guiding clients through complex financial decisions
- Utilize low-cost indexed investments for globally diversified portfolios
- Quarterly reporting and in-person client meetings ensure transparency and engagement
Associations and certifications
- Registered Investment Advisor
Services
Financial Planning
We evaluate clients' financial situations to create customized plans aligned with their goals and risk tolerance. Our comprehensive approach considers retirement needs, tax implications, and long-term objectives. Clients receive detailed written recommendations and ongoing implementation support to ensure their financial roadmap remains current with life changes.
Asset Management
We construct globally diversified portfolios using low-cost indexed investments tailored to individual risk profiles. Our disciplined strategy includes regular rebalancing and tax-efficient harvesting. Clients benefit from quarterly performance reports and direct access to their Charles Schwab-held assets with no hidden fees or commissions.
Retirement Planning
Our specialized retirement planning service helps clients prepare for 25-30 years of post-career life. We analyze withdrawal strategies, tax implications, and investment sustainability to create personalized roadmaps. The service includes scenario modeling to help clients understand different retirement timelines and spending patterns.
Investment Selection
We select appropriate investment vehicles based on academic research and market efficiency principles. Our approach focuses on Dimensional Fund Advisors' low-cost index funds that provide broad market exposure. Each selection is made to complement the client's overall asset allocation while maintaining tax efficiency and diversification.
Portfolio Rebalancing
We implement systematic portfolio rebalancing to maintain target allocations and risk parameters. This service ensures investments remain aligned with strategic objectives while capitalizing on market fluctuations. Regular adjustments help maintain optimal diversification and prevent overexposure to specific asset classes.
People
Jack Johnson
Owner
Jack Johnson is a Certified Financial Planner and Certified Public Accountant with over 35 years of financial expertise. A UC Davis graduate, he specializes in creating diversified investment strategies and comprehensive retirement plans. Jack focuses on delivering unbiased advice while maintaining strict fiduciary standards for clients in Granite Bay, California.
Questions
What services do you provide?
We offer comprehensive financial planning and asset management services including retirement planning, investment selection, portfolio rebalancing, and tax loss harvesting strategies.
What professional certifications do you hold?
Our owner Jack Johnson holds both Certified Financial Planner (CFP) and Certified Public Accountant (CPA) designations.
Do you offer a free initial consultation?
Yes, we provide a complimentary one-hour consultation to discuss your financial goals and our approach.
What is your fee structure?
We charge an annual fixed fee based on portfolio complexity, with a minimum quarterly charge of $1,000. We receive no commissions from investments.
Can you help with 401k plans?
Yes, we analyze 401k investment options and make recommendations aligned with your overall asset allocation strategy.
Why use a financial advisor for investments?
We provide consolidated reporting, consistent asset allocation, periodic rebalancing, and access to low-cost index funds that individual investors may struggle to manage independently.
