Andrews Capital Management, Inc.

Andrews Capital Management, Inc.
1224 10th Street, Suite 203
Coronado, California 92118
619.435.8866 (Phone)
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				The Client Comes First - As an independent, fee-only investment advisor, ACM always places the interests of its clients first. We treat our clients as we would wish to be treated. The only compensation ACM receives is from its clients. We do not recommend investments on which we receive commissions or fees from outside parties. Low Costs - In addition to our reasonable investment management fees, we keep transaction costs low. All trading is done through Charles Schwab & Co. at competitive rates. To the extent mutual funds are used in a portfolio, we use only no-load or load-waived funds. Diversification - We believe that investment success is achieved through diversified portfolios, with each client's portfolio constructed and managed according to their individual goals and risk tolerance. Focus on the Long-Term - We value a long-term perspective, both with our client relationships and our investment time horizon. We do not day trade or try to time the market. After-Tax Returns - Our goal is to maximize our client's after-tax returns commensurate with their risk tolerance. In addition to keeping expenses low, we use a low turnover approach and focus on keeping realized capital gains to a minimum. Taxable and tax-deferred accounts are used.