SEC-registered since 1995 under CRD #108013, Andrews Capital Management in Coronado provides fee-only investment advisory and financial planning services from 1224 10th Street, Suite 203, in the 92118 zip code. The firm manages approximately $65.8 million in regulatory assets under management across 26 client relationships — an average portfolio size near $2.5 million — coordinating tax-year planning with independent CPAs on the island including Watkins Rodney R CPA. Investment vehicles include individual equities, no-load mutual funds, corporate bonds, U.S. Treasury securities, municipal bonds, and money market accounts, selected through a disciplined research process rather than proprietary product sales. Portfolio construction integrates risk-adjusted asset allocation with insurance coverage strategies coordinated through independent carriers on the island, including Pronto Insurance Agency on Orange Avenue. The founder holds an MBA in Finance, a Master's in Tax and Financial Planning with Beta Gamma Sigma distinction, and the CFP® designation, with 14 years of prior experience as a Vice President at Bank of America managing a $250-million corporate credit portfolio.