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Rand
& Associates
Welcome
Our mission at Rand & Associates is
to provide comprehensive wealth management to individuals,
families, and organizations by helping them to achieve their
goals through higher returns, less risk, and lower expenses,
while focusing on their unique needs. Rand & Associates
is a division of Howe Barnes Capital Management, Inc., a
subsidiary of Howe Barnes Hoefer & Arnett, Inc.
We believe in a personal relationship with
our clients that is based on trust and accountability. Our
primary aim is to help clients establish a cohesive and
comprehensive strategy for success in which we clearly define
and implement the necessary steps to help achieve their
goals. To accomplish this, Rand & Associates promotes
a professional environment where the highest standards of
integrity, objectivity, and responsibility thrive. Our clients'
trust is earned and preserved through our financial performance
and superior client service.
Investment Strategy
Rand & Associates specializes in establishing
cohesive and comprehensive investment strategies to meet
unique client-driven goals. Our Customized Portfolio Process
begins with a thorough analysis of the holdings in our client's
existing portfolio and an in-depth discussion of their short
and long term goals. Our ETF (Exchange Traded Funds) Global
Allocation Portfolios seek opportunities in small, medium,
& large companies from around the world. Once an investment
dialogue is established, a formal investment policy statement
is developed that reflects the appropriate asset allocation
to maximize return and minimize risk, as well as account
for the client's cash and income needs. Investment selections
are the result of a systematic and disciplined process that
has been honed over many years. Simply put, we look to become
owners of great companies when they are "on sale".
We are long term owners, so our portfolios tend to have
low turnover and are very tax efficient. Rand & Associates
utilizes rigorous proprietary research, as well as Wall
Street and independent sources for fundamental and quantitative
data in identifying opportunities from around the world.
Exposure to risk is minimized through daily monitoring,
correlation analysis, and when appropriate, hedging mechanisms.
All of our portfolios have provided clients with consistently
competitive performance.
Services
At Rand & Associates, service is more
than just a concept - it is an integral cornerstone of our
practice, including:
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A dedicated and experienced
team to assist you with all of your wealth management
needs:
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- Financial Planning
- Estate Planning
- Charitable Giving
- Insurance Review
- Education Funding
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Direct access to your portfolio
manager.
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Regular portfolio updates
and analysis of financial positions.
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Advisor Coordination - a
team approach involving your attorney, accountant, and
other trusted advisors. |
Our Team
ANDREW RAND, CFA,
CFP®, First Vice President
and Portfolio Manager, holds the professional designations
of Chartered Financial Analyst and Certified Financial Planner.
Prior to joining Howe Barnes Hoefer & Arnett, Andrew
served as a Director of Deutsche Bank's Private Wealth Management
division, formerly Scudder Private Investment Counsel. Earlier
in his career, Andrew managed the San Francisco office of
Bainco International Investors and provided clients of Merrill
Lynch and Solomon Smith Barney with investment management
and financial planning services. Andrew began his career
as a Certified Public Accountant and also founded Silver
Pen Publishing, a niche publishing company in Seattle, WA.
Andrew received both his BA and his MBA from the University
of Washington, and is an active member of the Financial
Planning Association of San Francisco.
LAWRENCE ZARTARIAN,
Vice President and Portfolio Manager,
brings over 18 years of experience in the investment arena,
including more than 14 years working with clients to establish
and implement portfolio strategies based on individual client
objectives. Prior to joining Howe Barnes Hoefer & Arnett,
Larry managed portfolios at Mellon Financial's Private Wealth
Management Group for five years. Before that, Larry was
a Partner at Van Deventer & Hoch in San Francisco where
he was an analyst in their Research Group, and a portfolio
manager working with individual and institutional clients.
Larry graduated from San Francisco State University with
a BA in Philosophy.
THOMAS GODFREY,
Financial Advisor,
has over 30 years of experience in the Investment Banking and Asset Management fields.
Prior to joining Howe Barnes Hoefer & Arnett, Tom worked for Deutsche Asset Management
where he managed $4.5 billion of institutional client relationships.
Tom also spent over two decades in investment sales for several Investment Banks including
Kidder Peabody, Drexel Burnham Lambert, and Dean Witter Reynolds before joining Wachovia
Securities where he managed West Coast Institutional Sales.
Tom received his BA in Economics at Benedictine University.
ELIZABETH JUSON,
Relationship Manager, began
her career at American Express Financial Advisors as a Financial
Planning Analyst, creating financial plans and investment
strategies for clients. Prior to joining Howe Barnes Hoefer
& Arnett, Elizabeth was an Investment Associate at Deutsche
Bank's Private Wealth Management division, formerly Scudder
Private Investment Counsel. She was responsible for the
daily management of client portfolios. Elizabeth received
her BS at San Francisco State University.
Howe
Barnes Hoefer & Arnett, Inc. ©2006 All Rights Reserved.
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