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 believe you should invest differently when you are working to grow your money than you should after you retire. The years surrounding retirement should be your most conservative.
We recommend passive investing. Many studies have shown that individual investors do not have the resources to find the very rare asset manager who might be able to beat the market. You will be better off in the long run by indexing with low-cost funds than by adjusting your investments in pursuit of beating the market.
At Andrew Marshall Financial, LLC we combine model portfolios from Vanguard, BlackRock, and Fidelity to develop an asset allocation for you. For retirees, we recommend adding diversifying assets such as real estate funds, gold, and managed futures funds.
There are an increasing number of cost-effective robo-advisors available to investors, and we can help determine the best fit solution for you.
We are comfortable when our clients hold rental real estate as part of or even the majority 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.
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