Sierra offers a range of tactical investment approaches designed to target solid returns and provide low downside risk, so that you feel calm and confident in your investments.

After meeting with you to determine your investment history, goals and risk tolerance, together we select one or more of the following Sierra investment programs to meet your investment needs:

Sierra Conservative Allocation Program

Ideal for investors seeking global diversification in a variety of asset classes.

Identifies U.S. mutual funds from a variety of domestic and foreign asset classes, allowing for nimble, tactical management.

Defensive risk management focuses on avoiding unrecoverable losses when markets turn down.

Targets an average annual total return of 6%-7% or more per year, after fees, while limiting downside risk to 5%, even in a bad month or quarter.

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Sierra Customized Accounts

Ideal for investors seeking global diversification in a variety of asset classes and requires invested assets of $1.5M.

Similar to the Sierra Conservative Allocation Program, but there may be slight variations in the asset allocation and/or holdings.

Defensive risk management focuses on avoiding unrecoverable losses when markets turn down.

Targets an average annual total return of 6%-8% or more per year, after fees, while limiting downside risk to 5%, even in a bad month or quarter.

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Sierra Strategic Income Program

Ideal for conservative investors seeking a diversified portfolio of income-producing asset classes.

Invests for absolute return, including both income and capital appreciation, while limiting drawdowns.

Globally diversified allocations which are tactically adjusted as economic and market conditions change.

Targets an average annual total return of 4%-6% or more per year, after fees, while limiting downside risk to 5%, even in a bad month or quarter.

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Sierra California Municipal Bond Program

Ideal for high tax-bracket investors seeking California and Federal tax-free yield.

Uses multiple CA tax-free municipal bond funds to create diversification among CA municipalities potentially reducing the risk of default.

Identifies accomplished fund managers who bring additional value to their strategy's results.

Targets an average annual total return of 3%-4% or more per year, after fees, while limiting downside risk to 5%, even in a bad month or quarter.

On a maximum tax-equivalent basis, targets an average annual return of 6%-7%.

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Sierra Municipal Bond Program

Ideal for high tax-bracket investors seeking federal tax-free yield.

Uses multiple federal tax-free municipal bond funds to create diversification among municipalities potentially reducing the risk of default.

Identifies accomplished mutual fund managers who bring additional value to their strategy's results.

Targets an average annual total return of 3%-4% or more per year, after fees, while limiting downside risk to 5%, even in a bad month or quarter.

On a maximum tax-equivalent basis, targets an average annual total return of 5%-6%.

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Sierra High Yield Corporate Bond Program

Ideal for investors seeking higher returns than traditional bond strategies.

May provide opportunities to participate in stock market-like uptrends since this asset class is highly correlated (60%-70%) to the U.S. stock market but with potentially less exposure to market risk.

Diversification results from using a variety of funds reflecting different management styles and manager expertise.

Targets an average annual total return of 6%-8% or more per year, after fees, while limiting downside risk to 5%, even in a bad month or quarter.

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Sierra Tactical Bond Program

Ideal for investors seeking higher returns than traditional bond strategies, but with greater diversification than the Sierra High Yield Corporate Bond Program.

Seeks long-term returns by moving tactically among three uncorrelated asset classes, High Yield Corporate Bonds, U.S. Treasuries and Cash.

Provides diversification by investing in multiple High Yield Corporate Bond Funds when that asset class is in an up-trend.

Targets an average annual total return of 6%-8% or more per year, after fees, while limiting downside risk to 5%, even in a bad month or quarter.

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“We manage to goals. Before we construct an allocation, or buy a mutual fund, we go back to these basic goals that drive our behavior and how we manage portfolios for you. Not only a performance total return goal, but also our downside risk concern. We are always working to keep the downside manageable and recoverable, that is a key point for us.”

– Kenneth L. Sleeper, MBA, PhD