I am a CERTIFIED FINANCIAL PLANNER™ professional with a Master’s degree in molecular genetics from the University of Kansas.
After graduate school, I packed my car and drove out to San Diego to find work in biotech. I worked at two small companies as a laboratory scientist developing new technologies and later manufacturing. The difficulties of affording life in San Diego on a middle-class salary, let alone also saving for retirement, lead me to begin learning about personal finance and investing. I took classes at UC Irvine and completed their Personal Financial Planning certificate program.
In 2015, I started my own fee-only firm which allows me to give the uncompromised advice that is best for my clients. I continue to study financial planning’s best practices and apply them to client situations. I have completed the Financial Planning Association’s Residency Program.
I am registered with the State of California’s Department of Financial Protection and Innovation as a Registered Investment Advisor.
I am a proud member of the Garrett Planning Network. The Garrett Planning Network is a national organization of fee-only financial planners, based in the Midwest, who give objective advice. I am also a member of the San Diego Chapter of the Financial Planning Association and the Fee Only Network.
When I am not working, I like playing golf, watching English Premier League soccer, or hiking.
Andrew Marshall Financial, LLC – Our Values
- Follow the Rules. – Be honest.
- Think About Others. – We all have to live here.
- Simplify. – Make your life as easy as possible.
- Life is Long. – Keep your options open for inevitable changes.
Click here to see my quotes & appearances in the press.
Investing Philosophy
At Andrew Marshall Financial, LLC we combine model portfolios from Vanguard, BlackRock, and Fidelity to develop an asset allocation for you.
We recommend passive indexing funds or low-cost ETFs with a sound strategy to improve upon indexing. Retirees do not need to pay for active management. With our help, it is easy to update a portfolio once per year or as you take withdrawals.
Diversifying your portfolio becomes more important as you approach retirement. As a retiree, you no longer need to invest aggressively for growth. Possible diversifying assets include international and emerging market stocks, real estate funds, gold, natural resources, and managed futures funds.
We can help you to simplify your holdings and number of accounts, as well as create a prioritized list for the most tax-efficient withdrawal strategy.
Rather than standard rebalancing in retirement, we recommend selling stocks when they end the previous year within 5% of their all-time highs. In other years, it is best to live off cash or bonds and let your stocks recover.
We are comfortable when our clients hold rental real estate as part of their portfolio. We don’t put any pressure on clients to sell their property and invest in stocks. Rental properties tend to increase in value along with inflation, provide a nice cash flow during retirement, and have tax benefits which make them a valuable contributor to one’s wealth.
To get started now: Complete our Questionnaire and Schedule your Free, First Meeting
