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Andrew is a Partner in the San Francisco office. He serves as a senior client advisor, assisting successful families on a variety of financial planning and wealth management issues. He focuses on optimizing wealth through efficient investing, risk management, and tax strategy. With his broad base of finance and investing experience, Andrew enjoys helping his clients find creative solutions to complex financial problems.
Andrew is widely regarded as a leading advisor to international and cross-border families, who often face more complex wealth management and tax issues resulting from their multinational lives, particularly when an individual is a citizen or tax resident of the United States. He frequently writes and speaks to the unique financial complexities faced by international families. He is also the author of The Cross-Border Family Wealth Guide, a personal financial planning book for internationally oriented families.
Prior to joining Cerity Partners, Andrew served for 15 years as President and Chief Investment Officer of Worldview Wealth Advisors. He previously worked in international equity research following the global banking and telecommunications sectors at Montgomery Asset Management, HSBC Securities, and Donaldson, Lufkin & Jenrette (now Credit Suisse). He began his career with PriceWaterhouseCoopers in Los Angeles.
How would you describe your best day doing what you do?
My best days are spent working with current and prospective clients, and with my team of talented and compassionate wealth advisors. On the best days, I spend time with my team thinking about ways to help our clients, and then I get to see that in action.
What does the world need now more than anything?
The investing public desperately needs personalized advice. Gone are the days when successful families had one trusted individual, like a personal attorney, who could give them holistic personal and business advice. Within investing, it seems like investment solutions are available everywhere, but what are in short supply are advisors willing to take the time to get to know you on a deeper level.
What kind of clients work best for you?
I enjoy working with clients interested in forming a long-term trusted relationship, which of course, must be earned. Ideal clients have a somewhat complex financial landscape, and they desire holistic advice looking at their entire picture, including not only investments, but also tax planning, estate planning and all other financial aspects.
Why is cross-border financial planning important, especially today?
The world continues to globalize, and tax and wealth management laws and structures are only getting more complicated. Internationally mobile families need a place to turn for quality advice and a trusted personal relationship.
Foreign professionals are coming into the United States to work more than ever, and generally we all benefit. However, these incoming workers need to understand the numerous potential tax traps of being a United States tax resident.
Living overseas seems glamorous and often leads to personal and professional enrichment, but then there are the taxes. The U.S. tax system is more complicated than most and follows its taxpayers everywhere they live. Learn about what U.S. persons confront when living abroad.
Are you planning for a jet-set retirement? Or are you already spending part of the year abroad? If so, Cerity Partners can help you navigate the complex world of living in more than one place, so that you’re able to preserve your wealth.
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