As an Investment Advisor Representative of Heffernan Financial Services, Andy is responsible for portfolio construction, investment management selection, analysis, and monitoring of client accounts. He has over 20 years of experience in the financial services industry working with leading banks and investment companies. Andy served as the CFO of Wells Fargo’s mutual fund group. At Wells Fargo, he was involved in developing the bank’s proprietary mutual fund family and other investment products. Prior to Wells Fargo, Andy worked as a manager for Charles Schwab Investment Management (Schwab) and helped pioneer Schwab’s first mutual fund investments. Andy holds a Bachelor of Arts in Business Administration from the University of Wisconsin Eau Claire and an M.B.A. from the University of San Francisco, and is a member of the Investment Committee for the Archdiocese of San Francisco. He resides in Marin County with his wife and their four children.