~ ABOUT THE AUTHOR ~ 

ANDREW D. (ANDY) MARTIN is co-founder and president of 7Twelve Advisors, LLC, portfolio manager of the 7Twelve Balanced Portfolio, and creator of the 3Twelve™ Total Bond Portfolio, which are SEC-registered investment companies. He is also a registered representative and general securities principal associated with a FINRA member firm, Girard Securities, Inc. as of the publication date. He is a member of the Investment Management Consultants Association.

His articles and research have been published in numerous major trade publications such as Advisor Perspectives, Registered Rep (Rep.), Advisors4Advisors, The Wall Street Journal, and Learnbonds.com. He earned a BBA (economics) from Belmont University and an MLAS from Vanderbilt ...

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