Andrews Advisory Associates, LLC logo

Andrews Advisory Associates, LLC

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Client assets under management

$218,585,722

Clients

245

27% high-net worth

Advisors

4

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

61

Typical

Average account size

$892,187

About

Andrews Advisory Associates serves individuals (including high‑net‑worth clients) as well as pension and profit‑sharing plans, trusts, estates, charitable organizations and business entities, offering discretionary and grandfathered non‑discretionary investment management, a qualified retirement plan platform with participant options, and limited financial planning services. Financial planning and hourly planning are generally provided to existing investment clients, their family members, or employees rather than to the public at large.

The firm follows a "Keep It Simple" philosophy emphasizing diversified asset allocation, dollar‑cost averaging, periodic rebalancing, and in‑house construction of portfolios using low‑cost passive ETFs and mutual funds to minimize layered fees. Alongside its passive, tax‑aware asset‑allocation models, the firm also offers a focused "Dividend Boosters" discipline — an individual‑stock strategy of roughly 25 U.S. companies with histories of increasing dividends — typically applied to larger, more established portfolios.

Noteworthy distinctions include a retirement plan platform that can serve as an ERISA Section 3(38) discretionary fiduciary with no minimum plan size and separate participant recordkeeping options, and the firm’s operational model as a fee‑only adviser that requires clients to custody assets with its selected custodian rather than permitting custodian choice. The practice also maintains a meaningful split of assets managed on discretionary and grandfathered non‑discretionary bases, which can affect how clients implement advice and conduct reviews.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Passive / index investing

Fee options

Fixed

Flat fee for Financial Planning Services up to $10,000

Percentage

$250,000 - $1,000,000: 1.00% $1,000,000 - $5,000,000: 0.70% $5,000,000 - $20,000,000: 0.60% $20,000,000 - $100,000,000: 0.50% $100,000,000+: 0.40%

Project-based

$300/hour for Investment Adviser Representatives, $100/hour for Client Service Specialists

Other

Account minimum: $250,000 Fee-only: Fee-only investment advisory practice with no commissions or other compensation for sale of securities or investment products.

Main office location

Andrews Advisory Associates, LLC

1003 Bishop Street, Suite 1808

Honolulu HI 96813, United States

Number of offices

1

Most active in

California · Hawaii

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Christina B

CFP®, Series 63, Series 65

Honolulu, HI

Andrews Advisory Associates, LLC

Christina Brown is a CFP® professional with 18 years of experience in financial advising. She has been with Andrews Advisory Associates, LLC since 2007. The firm provides discretionary investment management, retirement plan advisory, and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, and charitable organizations. Andrews Advisory Associates employs a primarily passive investment approach with an active dividend-growth stock strategy for larger accounts and offers a proprietary 401(k) platform featuring discretionary ERISA Section 3(38) model portfolios alongside participant-directed options.

Passive / index investing
user avatar

Travis T

Series 65

Honolulu, HI

Andrews Advisory Associates, LLC

Travis Tsukayama is a financial advisor at Andrews Advisory Associates, LLC with nine years of industry experience. He holds a Series 65 designation and has been with Andrews Advisory Associates since 2015. In addition to his advisory role, he has been affiliated with the University of Hawaii since 2006. Andrews Advisory Associates, LLC is a SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and retirement plans. The firm emphasizes asset allocation, dollar-cost averaging, and portfolio construction primarily through low-cost passive ETFs and mutual funds, while also offering an active dividend-growth stock strategy for larger accounts.

Passive / index investing
user avatar

Scott T

CFP®, Series 63, Series 65

Honolulu, HI

Andrews Advisory Associates, LLC

Scott Tonai is a CFP® professional with nine years of experience in financial advising. He currently works at Andrews Advisory Associates, LLC and previously held roles at Raymond James Financial Services, First Hawaiian Bank, LPL Financial, and Tao Investments Hawai'i. Outside of his advisory work, he is employed part-time as an associate at the Navy Marine Golf Course in Honolulu. Andrews Advisory Associates, LLC provides discretionary and non-discretionary investment management, retirement plan advisory, and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and pension plans. The firm emphasizes asset allocation, dollar-cost averaging, and low-cost passive investments, and also offers an active dividend-growth stock strategy for larger accounts.

Passive / index investing
user avatar

Owen L

Series 65

Honolulu, HI

Andrews Advisory Associates, LLC

Owen Lahr is a financial advisor at Andrews Advisory Associates, LLC with one year of industry experience. He holds a Series 65 designation and has worked at Andrews Advisory Associates since 2023. Prior to his advisory role, he was involved with the Hawaii Boat Club and Kaneohe Yacht Club, and has experience with Vector Marketing Cutco and academic positions at the University of Hawaii and Amador Valley High School. Andrews Advisory Associates, LLC is a SEC-registered investment adviser managing approximately $236 million in client assets. The firm provides discretionary investment management, retirement plan advisory, and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and pension and profit-sharing plans, using a primarily passive investment approach supplemented by an active dividend-growth stock strategy for larger accounts.

Passive / index investing
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