Andrew Hammond, CFP®

Andy is a wealth advisor and co-managing partner at AAF Wealth Management, a Registered Investment Advisory (RIA) firm whose mission is to provide valuable peace of mind to those with the awesome responsibility to manage wealth. He provides comprehensive and carefully designed financial plans for individuals and families, nonprofits and foundations, and retirement plan sponsors.

Andy joined our team of advisors after 17 years in financial services at Fidelity Investments. He joined after having been drawn to the firm’s deep tax expertise, individualized approach, and commitment to honesty, ethics, and developing meaningful relationships with each client.

Andy appreciates that each client’s goals and aversion to risks are personal, unique, and in progress. He is happy to spend the time that is necessary to get comfortable with the current investment environment, a financial plan, and/or a portfolio. When designing a financial plan, he takes the time to evaluate each client’s unique situation including their operating budget, personal and business incomes, cash flow and liquidity needs, assets and liabilities, employee benefits, investments, insurance coverages, wills and trusts, basic personal family data, and health status.

Andy’s approach does not stop at plan design. He knows that even the simplest financial planning and asset allocation strategies need rebalancing on occasion. He continues to harness the firm’s collective knowledge, tools, and tax resources to creatively adapt and share new ideas and insights as client needs evolve over time.

Andy earned a bachelor’s degree in both political science and economics from the State University of New York at Cortland and fulfilled his education requirement to sit for the rigorous CFP^® certification examination at Bentley University and Boston University. He is a CERTIFIED FINANCIAL PLANNER™ (CFP^®) professional, a licensed investment advisor, and a Chartered Retirement Planning Counselor (CRPC). He also holds Life, Accident & Health Insurance licenses in Massachusetts. Andy is an active member of the Financial Planning Association and delivers educational presentations for client organizations focused on the economic outlook, state of investment markets, and the firm’s unique approach to controlling risks.

Andy lives in Grafton, Massachusetts with his wife and three children. Together, they enjoy live music and travel.

Professional and Civic Associations

• Boston Estate Planning Council

Publications

• Worcester Business Journal: AAFCPAs Wealth Management Names New Co-Directors