Business Details
23 Years
experience
Your Trusted Financial Planning Partner in Roseville, CA
We are a full-service fee-only financial planning and asset management firm dedicated to providing independent, unbiased advice. Our practice focuses exclusively on representing clients rather than products, ensuring our recommendations align with client interests. With over 35 years of combined experience, our team holds prestigious certifications including Certified Financial Planner (CFP) and Certified Public Accountant (CPA). We specialize in creating personalized financial strategies tailored to individual goals and risk tolerance. Our investment approach emphasizes globally diversified portfolios using low-cost indexed vehicles, supported by rigorous academic research.Client assets are securely held through Charles Schwab Institutional, a trusted custodian with $7 trillion in client assets. We prioritize transparency, offering a complimentary one-hour consultation to prospective clients. Our commitment to excellence is reflected in our adherence to fiduciary standards as a Registered Investment Advisor licensed by California. We serve clients from our Roseville office while maintaining a strong focus on local community needs. Our founder, a UC Davis graduate, brings deep expertise in both financial planning and tax matters to every client relationship.
Services
Financial Planning
Asset Management
Investment Strategy
Retirement Planning
Tax Loss Harvesting
Portfolio Rebalancing
Details
- Year established: 2003
Highlights and features
- We are a fee-only firm with no product commissions
- Our owner holds both CFP and CPA certifications
- We implement evidence-based investment strategies
- We maintain custody through Charles Schwab Institutional
- We offer personalized financial plans for unique needs
Services
Financial Planning
We create customized financial plans based on individual goals and risk tolerance. Our comprehensive approach evaluates current financial situations and develops actionable strategies for long-term security. Services include retirement planning, tax optimization, and implementation guidance.
Asset Management
We construct and manage diversified investment portfolios tailored to client objectives. Our disciplined approach includes tax-efficient fund selection, regular rebalancing, and quarterly performance reporting. We utilize Dimensional Fund Advisors' indexed solutions backed by academic research.
Investment Strategy
Our evidence-based strategy emphasizes globally diversified indexed investments. We combine dissimilar asset classes to reduce risk while maintaining market exposure. The approach follows strict buy-and-hold principles with periodic rebalancing to target allocations.
Retirement Planning
We develop personalized retirement plans considering income needs, tax implications, and risk capacity. Our analysis includes Social Security optimization, withdrawal strategies, and longevity planning. We provide ongoing adjustments to ensure plan viability throughout market cycles.
Tax Loss Harvesting
We implement strategic tax loss harvesting to improve after-tax returns. This involves systematically identifying and realizing investment losses to offset capital gains. The process helps enhance portfolio efficiency while maintaining strategic asset allocation.
People
Jack Johnson
Owner, Certified Financial Planner, CPA
With over 35 years of financial expertise, Jack Johnson provides comprehensive planning services to individuals. A UC Davis graduate, he combines CFP and CPA credentials to deliver integrated financial solutions. Lives in Granite Bay, California.
Questions
What services do you offer?
We provide financial planning, asset management, retirement planning, investment strategy development, tax loss harvesting, and portfolio rebalancing services tailored to individual client needs.
Are you a fee-only financial advisor?
Yes, we operate as a 100% fee-only firm with no product commissions or sales incentives, ensuring completely unbiased financial advice.
How are you compensated?
We receive fees directly from clients for our planning and asset management services. We do not accept any third-party compensation for investment recommendations.
What investment strategy do you use?
We employ evidence-based investing using globally diversified indexed funds. Our approach follows academic research showing market efficiency and the benefits of disciplined portfolio management.
Where are client assets held?
All client funds are custodied at Charles Schwab Institutional, a major brokerage firm with $7 trillion in client assets, providing secure access and monthly account statements.
