Andrew Marshall

Personal Finance, Retirement, Investing
“Andrew Marshall is dedicated to serving individuals and families who are looking for honest financial advice.”

Andrew Marshall Financial, LLC

Job Title:



With an early love of finance and years of personal investment experience and success, it was while working for a biotech company that Andrew Marshall expanded his interests into retirement plans and more complex personal finance concepts. While searching for good financial advice, he realized how difficult it was to obtain correct, unbiased information and how others must be in a similar situation. This discovery, and the passion to provide effective and trustworthy financial advice, was the driving force behind starting Andrew Marshall Financial, LLC.

Andrew's research into the best places to work in financial services led him to join the Garrett Planning Network. He fully supports its mission of making competent, objective financial advice accessible. Andrew has completed the certificate program at the University of California, Irvine in Personal Financial Planning and has passed the rigorous CERTIFIED FINANCIAL PLANNER™ exam. He started his own Registered Investment Adviser firm in the State of California, Andrew Marshall Financial, LLC., so he can be fully independent and give his clients uncompromised advice.

Andrew Marshall attended the University of Kansas on a swimming scholarship, earning a Bachelor’s degree in Cell Biology and a Master’s degree in Molecular Genetics.  He has lived in Leucadia, California for nearly twenty years.

Andrew is a financial planner who loves working closely with people to develop personalized solutions in order to meet their financial goals and truly make a difference in their lives.  Coming from a scientific background has enhanced his financial skills, teaching him the value of scientific proof and how to review evidence before drawing conclusions.  Andrew Marshall has the drive of a former competitive athlete, the smarts of a molecular geneticist and the passion to help others, making him the ideal financial planner for you and your future.


MA, Molecular Genetics, University of Kansas

Assets Under Management:

$1 million

CRD Number:


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February 2017
    Personal Finance, Retirement Savings

All Answers
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    Asset Allocation, ETFs
What percentage of my portfolio should comprise of Inverse ETFs?
100% of people found this answer helpful

Your long term investment portfolio should not have any Inverse ETFs in it.  There are specific reasons inverse ETFs exist and should be used for timely hedging, but they should NOT be held for the long term.  The components of the ETF are usually futures contracts which expire every month.  Repurchasing these contracts by the ETF issuer is costly and that cost is passed thru to the shareholders.  Over the long term, the stock market rises so being short (inverse) is not the right position to be in.

The Brexit event would be a good example of a time when using an inverse ETF may be appropriate.  To hedge your long exposure while awaiting the Brexit results, you could have owned some inverse ETFs and then sold it after hearing the result and seeing that the markets were heading higher.  This is an active strategy, but could be beneficial if used appropriately.  Also it is for advanced, experienced investors who understand stop losses and risk control.

May 2017
    Investing, Choosing an Advisor, Starting Out
Should I hire a financial advisor or a broker to begin investing?
100% of people found this answer helpful
February 2017
    Debt, Financial Planning
How can I dig myself out of debt after losing my job?
100% of people found this answer helpful
last month
I want to invest in equities, but I don't have much money. Is there a minimum number of shares I must buy?
92% of people found this answer helpful
February 2017
    Debt, Investing, Retirement Plans
Should I use additional income to pay off debt or invest it for retirement?
50% of people found this answer helpful
May 2017