Janet is the founder and the president of Sierra Pacific Financial Advisors, LLC (SPFA), an independent fee-only Register Investment Advisory (RIA) that focuses on financial planning, wealth management and corporate retirement planning. Janet oversees operations, client relations, business development and strategic planning for SPFA. She leads the investment committee at SPFA to define comprehensive planning strategies and sophisticated investment solutions for clients. She is also responsible for advanced employer retirement planning for small-to-mid size companies.
Sierra Pacific Financial Advisors, LLC (SPFA) is an independent, SEC- Registered Investment Advisory (RIA) firm with offices in Pleasanton, Cupertino and Oakland, California. We are fee-only financial advisors with over 110 years of experience helping clients navigate the complexities of managing their finances. We offer financial planning, investment and corporate retirement planning for individuals, families and corporate clients.
At SPFA, we take time to listen carefully and identify your life goals, needs and priorities. We then develop a comprehensive financial plan that helps you address your important objectives for retirement, college planning, investment, tax minimization, equity reward strategies, wealth transfer, and other financial objectives. We provide recommendations for plan implementation, continuously work with our clients to identify gaps in the plan as their lives evolve. We demonstrate our distinct expertise in the following areas:
" Retirement Distribution Planning with Tax Optimization Strategies for Pre-and-Post Retirees
" Tax-aware Strategies of Diversifying Concentrated Stock Positions for Corporate Executives
" Core-and-Satellite Investment Strategy for High-Net-Worth Individuals
" Tax-advantaged Corporate Retirement Planning for Business Owners and Doctors with Private Practices
Serving as fiduciaries, SPFA provides unbiased financial advice with a singular focus on serving clients best interests. Our mission is clear: guide clients to live the life of their dreams through prudent planning and management of their financial resources.
Daniel Goodman
CFP® , CLU® , MBA
Daniel joined SPFA as the director of financial planning and wealth advisor. He utilizes his experience and background to develop holistic financial plans, including savings, retirement planning, stock equity strategy, college funding, tax planning and risk mitigation/insurance need analysis. Daniel listens to clients goals and ideals, and creates sound strategies to meet their objectives from estate tax management, legacy planning to charitable gifting. Daniel has over 20 years in financial planning for both corporate and individual clients. He enjoys combining his extensive knowledge of financial planning and presentation skills to help clients engage and implement their plans
Yun Cho Messina
FRM, MBA
Yun is passionate about helping individuals manage their financial resources fruitfully and purposefully as an entrusted financial steward. She joined SPFA as a wealth advisor to fulfill her passion. Yun develops a financial roadmap which considers individual objectives, income requirements, unique needs and tax situations to help people achieve their life purpose. She has years of work experience and knowledge in institutional investment management.
Yun completed the Personal Financial Planning certificate program from the University of California Berkeley Extension. She is also a member of the Financial Planning Association (FPA) San Francisco Chapter. She is currently pursuing her CFP designation.
Aaron Sanchez
Aaron has a long history of helping individuals and businesses with a variety of financial needs. From an early career in health insurance benefits and provider relations, to commercial real estate sales and investments, Aaron has been trusted to help clients make important and big decisions in their financial lives.
As a former business owner, previously operated a landscape consulting business, Aaron is passionate about satisfying his clients and listening attentively to their needs. His excellent customer service and knowledge of small businesses build a solid foundation to expand his career as a 401(K) Plan advisor.
Jacob Rodriguez
Jacob joined SPFA as the financial operations associate. He specializes in client relations and all aspects of investment operations functions. He is the primary contact at SPFA for account servicing requests and operation processes. Being a part of the team, Jacob main responsibilities include tending to the needs of the clients to enhance their overall experience at SPFA, producing quarterly investment reports and managing billing systems.
Jacob has great passion about personal finance. That prompts him to study B.S. degree in Business Administration with Finance Concentration. He is expecting to graduate from California State University East Bay in Fall of 2022.
General Information |
| Firm Start Year: | 2005 | |
| No. of Employees: | 5-9 | |
| Name of Custodial Firm: | TD Ameritrade/Charles Schwab |
| States Licensed in: | CA |
| Work Experience: | Starting out as a financial analyst, Janet discovered early on that she preferred personal finance over a Wall Street career. After more than 25 years of working in financial planning and wealth management services, Janet is still passionate about building personal relationships with clients and helping them achieve their definition of success. She measures her own success by her clients ability to accomplish their financial goals. |
| Work with the following types of clients: | Businesses, Individual Investors, Non-Profit Organizations |
| Foreign Languages Serviced: | English, Mandarin |
Services |
| Investment Types: | Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Commodities, Stocks, Bonds, Options & Futures, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Our Office, Phone, Your Office, Video Conference, Email, Our Offices |
Firm Information |
| Assets Managed by Firm: | over $100m |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $1,000,000 |
| Compensation Methods: | Based on Assets, Flat Fee |
Education |
| Bachelors of Science - Finance and International Business | University of Maryland Robert H. Smith School of Business
1992-1996 |
FAQs |
Why should I choose you as my financial advisor?Earned the following degrees and designations: -Certified Financial Planner designation -B.S. in Finance and International Business - University of Maryland Robert H. Smith School of Business. Janet has been actively involved in several national and local professional associations. She is a member of the Financial Planning Association (FPA), the National Association of Personal Financial Advisors (NAPFA), the National Association of Plan Advisors (NAPA), Women in Pension Network (WiPN), and California Society of CPAs (CalCPA). Featured numerous times as a guest speaker on KTSF TV26 Talk Tonight show to speak about the value of financial planning. She has also been quoted in The Wall Street Journal, Investment News, Dowjones.com and The Street.com on various financial topics. |
What are your qualifications? What is your education background?Understanding your personal circumstances and financial resources, defining your life goals and aspirations, mapping your path to achieve financial success. |
How do you charge for your services?SPFA is a fee only advisor; we charge either a flat fee or percentage of assets under management. |
How much risk should I be willing to take?We customize clients investment strategies based on their specific risk tolerance and financial goals; one size does not fit all. Contact us for a free financial consultation. |
Have you ever been charged with any breaches?No. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Registered Investment Advisor:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
| Mon. | 8:30 AM - 6:00 PM |
| Tue. | 8:30 AM - 6:00 PM |
| Wed. | 8:30 AM - 6:00 PM |
| Thu. | 8:30 AM - 6:00 PM |
| Fri. | 8:30 AM - 6:00 PM |
| Check | Bank Transfer |
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