Fun Fact: Andrew and his oldest daughter Michelle made a goal to visit every National Park in the US by the time she goes to college (Class of 2034).
Andrew's comprehensive suite of services includes:
- Custom Tailored Portfolios of Stocks, ETFs and Bonds
- Tax Planning and Strategy
- Comprehensive Financial Planning
- 529 College Savings Plans
- Individual Retirement Accounts such as Traditional IRA and Roth IRA
- Business Retirement Accounts including SEP IRA, Simple IRA, 401(k), and Owner K plans
Certified Tax Specialist™ (CTS®)
This graduate-level designation is conferred upon candidates who complete a 135+ hour educational program focusing on personal income taxes and methods to reduce tax liability. The combined top state and federal bracket can easily exceed 40%. CTS® certification requires mastery of the basic income tax formula and its computation, retirement plans, deductions, credits, capital gains, depreciation, payroll taxes and tax planning. According to IBF, "No one likes to talk about taxes. Most people are intimidated by the subject matter. Yet, tax reduction can be surprisingly easy."
The student must pass two comprehensive exams, complete a written case study as well as adhere to the IBF
Code of Ethics and IBF Standards of Practice as well as fulfill annual continuing education requirements. The
CTS® program is designed for brokers and advisors who have clients interested in maximizing their after-tax
returns as well as reducing their overall tax liability.