Our Team

	Les Andrews, CFP®, Principal, began his financial planning career January 1975 in the Honolulu Branch office of Connecticut General Life Insurance Co. & CIGNA Securities, Inc., and has since been continuously providing financial and investment advice to clients in Hawaii, the U.S., and abroad. He is a member of the Ala Moana Rotary Club, and he enjoys classic movies, reading, and watching football with friends. Professional Designations: • CFP® Certified Financial Planner, 1983 • ChFC Chartered Financial Consultant, 1982 • CLU Chartered Life Underwriter, 1980 Educational Background: • MSFS Master of Science Financial Services, American College, 1990 • BBA Bachelor of Business Administration, Western Connecticut State, 1973 Registrations & Financial Licenses: • Investment Adviser Representative, Andrews Advisory Associates, LLC • Registered Securities Representative & General Securities Principal, FSC Securities Corporation, registered broker dealer, member FINRA/SIPC • Producer Insurance License (HI #308053 / CA #OC46714 / NV #634752)

	Christina M. Cotten, Client Services Specialist, has fourteen years' experience in the financial services industry meeting with clients and retirement plan participants, handling compliance procedures, creating reports and marketing materials, and solving technology issues. She enjoys hiking, scuba diving, reading, blogging, web design, cooking and going to the beach. Educational Background: • Bachelor of Science, Business Administration, Finance, Hawaii Pacific University, Honolulu Registrations & Financial Licenses: • Investment Adviser Representative, Andrews Advisory Associates, LLC • Registered Securities Representative & General Securities Principal, FSC Securities Corporation, a registered broker dealer, member FINRA/SIPC • State of Hawaii Producer Insurance License (#305533)

	Sommer Bradley, Office Manager, is responsible for office financials, quality assurance, account set up & maintenance, required minimum distributions and liaison to qualified plan administrators. She had seven years’ experience at a local pension services provider. Outside the office, her hobbies include physical activities such as step aerobics, turbo kick-boxing, running, hiking and snorkeling, as well as spending time with family and friends. Educational Background: • Associates Degree, Business Administration, Heald College, Honolulu Commissions: • Notary Public, State of Hawaii

Securities and insurance services offered through FSC Securities Corporation, member FINRA, SIPC. Advisory Services offered through Andrews Advisory Associates, LLC, a Registered Investment Adviser not affiliated with FSC Securities Corporation.

This communication is strictly intended for individuals residing in the states where the registered representative is registered to conduct securities business. No offers may be made or accepted from any resident outside the specific state(s) referenced: AZ, CA, HI, IL, IA, MD, MN, NE, NV, OR, SC, TX, UT, VA or WA.

IMPORTANT CONSUMER INFORMATION: A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

Our Team

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