Chris Andrews, CFP®, ChFC®, RICP®, WMCP®, CLU®
Wealth Management Advisor

Nerd Nation Financial, Wealth Management & Insurance Services

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Our mission is to help Bay Area families and professionals build a sense of confidence and optimism around their finances. We provide expert financial planning guidance and develop caring relationships that go beyond the planning process itself.

Our philosophy is that:

  • Planning is a collaborative process, not an isolated event.
  • Clients are best-served by a fiduciary who provides advice based solely on the client’s best interest.
  • Planning is about achieving goals, not about chasing return or trying to beat the market.
  • Each client deserves a plan that integrates all the facets of their financial picture.
  • Solutions to complex issues must be simple, actionable and designed with the end in mind.

We primarily work with two types of clients:

  • Mid-career professionals and families with young children looking to get their financial planning “house in order."
  • Later-career professionals planning for income distribution in retirement.

We have niche expertise for clients who work for technology companies in Silicon Valley. In particular, we help them optimize their employer benefits and help them develop an overall strategy for their stock options, RSUs, ESPP, 401(k), and investment accounts.

By focusing on what matters most to our clients, we put together a strategy and work together each year to achieve their goals.

We take planning seriously, but we also like to have fun with some of the key concepts around saving, planning, and investing. This video is a fun take on how to think about investing in a home purchase versus investing in the stock market.

Planning for the Unexpected

Life can throw some unexpected events at you, and it’s easy for them to derail your financial goals if you haven’t planned for them. This video talks a bit about one of the easiest ways to protect yourself and your most important asset: your income.

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Annual Pumpkin Patch

We had an amazing time getting into the spirit of Halloween with our clients and their families at our 5th Annual Pumpkin Patch! There was pumpkin carving, face painting, crafts, and an adorable array of wild animals, superheroes, and fanciful creatures in attendance! To those who could attend, thanks so much for joining in the fun and it was great to see so many pumpkins finding “happy homes” just in time for Halloween festivities! Feeling like you missed out? Fear not! The 6th Annual Pumpkin Patch will be back again in 2019.

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Tasting on Top of the Pyramid

We made the most of a rainy evening in San Francisco hosting our first "Tasting on Top of the Pyramid" event this March. Competition was fierce and fun in the wine/cheese/chocolate tasting, and congrats to our grand-prize winner (Jenny Founds) on winning a year-long membership to Newsome Harlow winery. Looking forward to making this an annual event in the City and thanks to everyone that was able to join us!

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Community Involvement

This December, Chris spoke to Bay Area Women's Sports Initiative (BAWSI) about financial literacy. BAWSI seeks to “Engage, Inspire, and Empower” children of local communities. Because of how important their cause is, this is the 5th year that Chris has volunteered his time! Be sure to check out their website to learn more and click here to learn more about our efforts!

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Who's Sitting on Your Side of the Table?

Making great decisions about your wealth, whether you are deciding to grow it or protect it or both, starts with sound thinking; thinking that makes sense. Here’s how our thinking starts when it comes to helping you make important financial decisions.

The Northwestern Mutual Difference

We make plans for people, not just money. So no matter your goals, we have access to top rated products and services to help you meet each one.

  • Best Life Insurance Company ranked by NerdWallet, 2019 to 20201
  • AAA, Aaa, and AA+ the highest financial strength ratings of any life insurer from all four major rating agencies2
  • Top 10 U.S. Independent Investment Broker-Dealers3
1©2017-2020 and TM, NerdWallet, Inc. All Rights Reserved.

2Northwestern Mutual continues to have the highest financial strength ratings awarded to any U.S. life insurer by all four of the major rating agencies: A.M. Best Company, A++ (highest), April 2020; Fitch Ratings, AAA (highest), August 2020; Moody’s Investors Service, Aaa (highest), December 2020; S&P Global Ratings, AA+ (second highest), June 2020. Third-party ratings are subject to change. Ratings are for The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company.

3Measured by 2020 total revenues. Ranking for Northwestern Mutual Investment Services, LLC. Sources: Financial Advisor magazine and Investment News, April 2021.

Here’s How Tax Brackets Work

Tax brackets can be confusing but we can help explain how you can use them to estimate your tax bill. Read more here.

Steps for Financial Planning Throughout Your Life

Anyone can benefit from a mapping out a financial roadmap that shows you how to reach your financial goals. Read more here.

How Much Money Do You Need to Live Comfortably in Retirement?

The answer is different for everyone so your plan should focus on setting up the income you’ll need. Read more here.


To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck