Raymond James · Independent Advisory
Andrews Wealth Advisory is an independent Raymond James practice serving founders, professionals, and multi-generational families across the Mid-Atlantic. We build financial plans the way architects build houses — measured, load-bearing, and made to outlast the season.
— The Firm
Founded in 2009 and affiliated with Raymond James, our practice was built on a simple conviction: that disciplined, conflict-free counsel still matters. We do not chase headlines or rotate strategies with the news cycle. We build plans engineered to hold up across decades — through markets calm and markets storm.
Every relationship begins with a written financial plan before a single dollar is invested. We work primarily with a limited number of households so that each one receives the attention their situation deserves. Most of our clients come to us by referral from attorneys, accountants, and existing families in the practice.
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A written, multi-year plan covering cash flow, insurance, education funding, estate considerations, and retirement readiness — reviewed twice annually and stress-tested against downturn scenarios.
Actively managed, globally diversified portfolios built on Raymond James research. We lead with low-cost vehicles where they earn their place, and use selective active management where it adds durable value.
A drawdown architecture that sequences taxable, tax-deferred, and tax-free accounts to extend portfolio life and reduce lifetime tax burden. Built for the 25-to-35-year retirement, not the brochure one.
Coordination with your attorney and CPA on trusts, beneficiary designations, gifting strategy, and Roth conversion windows. We make sure the documents on file actually match the assets you hold.
Year-round tax-loss harvesting, asset location strategy, and coordinated rebalancing designed to add 50–150 basis points of after-tax return in qualifying accounts. Boring, mechanical, effective.
Equity comp modeling, 83(b) elections, exit planning, and qualified plan design for closely-held businesses. We coordinate with your CPA and corporate counsel so nothing falls through the cracks.
Our fees are transparent, quoted in writing before any engagement, and never tied to product sales. Most clients engage us on a combined planning and investment mandate. The figures below reflect typical starting points for new relationships in the Bethesda market; final pricing depends on complexity, asset level, and scope.
— Why Andrews
The financial services industry is crowded with noise — hot takes, product pushes, and strategies that rotate with the weather. We do something different, and we do it on purpose. Here is what that looks like in practice.
We commit to act in your best interest, documented in our advisory agreement — not just when convenient.
As an independent Raymond James practice, we are free to select from the open market. We earn nothing on product sales.
We intentionally cap the number of households we serve so each relationship gets the depth it deserves.
Your CPA and estate attorney hear from us before year-end, not after. We treat your professional team as part of ours.
— Begin
We accept a limited number of new client relationships each year. The first conversation is a 30-minute call — no cost, no obligation, no pitch. We will listen to your situation and tell you honestly whether we are the right fit. If we are not, we will refer you to someone who is.