Frequently Asked Questions
At Andrews Wealth, we understand that choosing a financial advisor is an important decision. Below are answers to some of the most common questions we receive. If you don’t see your question here, we’re happy to talk—just give us a call.
What services do you provide?
At Andrews Wealth, we provide comprehensive financial planning and disciplined investment management.
Our work includes retirement income planning, tax-efficient strategies, estate and legacy planning, risk management, and portfolio oversight. When helpful, we coordinate with your CPA and attorney to align taxes, trusts, and investments. Every plan is tailored to your goals and built to evolve as your life changes.
Are you fiduciaries?
What makes Andrews Wealth different?
We offer more than financial advice—we strive to create long-term partnerships.
With over 40 years of experience, deep client relationships and a truly individualized approach are what we believe have allowed for the success of our clients and the family feel we have created within our team. We’re committed to guiding you through every stage of life with wisdom, clarity, and care.
Do you have experience working with people like me?
We work extensively with Aerospace & Defense Employees, physicians, and retirees—and also advise younger families, business owners, and nonprofits.
Over 40 years, we’ve learned that good planning starts with listening. We take time to understand your background, career, and goals so the strategy we build fits you—not the other way around.
What does the first meeting look like?
Your first meeting is a thoughtful conversation—not a sales pitch. We’ll get to know you, your current financial picture, and your goals.
From there, we’ll explain how we can help and outline the next steps. There is no fee for this meeting and by the end, we’ll be able to determine what next steps look like.
Do I need a certain amount of assets to work with you?
To best demonstrate our value, Andrews Wealth is best fit for households with $500,000+ in investable assets. We have found this to be the sweet spot where our planning and investment process can begin delivering the biggest impact for our clients. That said, fit matters more than a number.
If you are motivated and disciplined but still building toward that level, we’d love to have a conversation with you and begin our relationship. There are planning, insurance and investment guidance we’d be happy to help assist with and are eager to help accelerate and optimize your wealth journey in any way we can.
How do you charge for your services?
Our fees* are transparent and based on the complexity of your financial situation, the services we provide and the assets we manage. We’ll clearly explain any costs before you decide to work with us—no surprises, no fine print.
Do you coordinate with my CPA, attorney, or other professionals?
Yes. We often work alongside your tax advisor, estate attorney, or other professionals to help ensure your financial life is aligned and well-coordinated. Our goal is to serve as your financial quarterback—making sure all parts of your plan work together.
Can you help me with retirement income planning?
Absolutely. Whether you’re preparing to retire or already drawing income, we’ll help you create a reliable, tax-efficient income strategy designed to support your lifestyle, safeguard against market risk, and preserve your wealth for the years ahead.
How do I get started?
* We primarily offer fee-based advisory services charging a flat fee based on a client’s total assets under advisement. However, if deemed appropriate and in our client’s best interest, we also provide commissioned brokerage services. Though our financial advisor provides clients with great care and recommendations, advisors only have a legal fiduciary obligation to advisory clients.
In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.
Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.