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THE HARMON STREET STORY

BACK TO SOMETHING SIMPLER

Harmon Street is located in the working-class neighborhood of Inglenook, just outside Birmingham, AL. It was my father’s childhood home and the kind of neighborhood where people walked to work each day alongside their co-workers. The kind of neighborhood where a kid could buy candy and fishing lures on his family’s tab because the owner of the general store lived down the street and went to the same church.

It was an era before big call centers and computer algorithms. You knew the mechanic, pharmacist, butcher, milkman, gas station attendant, and bus driver. Customer service was provided by someone who knew your name and that of your kids, answered the phone and put you right through to the person who could address your issue immediately.

Harmon Street is who we are, and it’s the spirit that drives us. Harmon Street Advisors continues to evolve, providing the technology and expertise to enable our clients to meet the challenges of an increasingly complex financial world. All delivered in a manner that reinforces the core values I learned during my childhood summers spent on Harmon Street…family, hard work, pride, integrity.

We look forward to serving you.

Jeff Andrews, President & CEO

CORE VALUES

  • Family
  • Pride
  • Hard work
  • Integrity

CORE DIFFERENCE

  • YOUR CHIEF FINANCIAL OFFICER

    Achieving results for our clients comes down to helping them make great decisions in all aspects of their financial affairs. Harmon Street Advisors wants to be there for every major financial decision our clients may make, from exercising employer stock options, to whether to buy or lease a new car.

  • SUCCESS: CONFIDENCE THAT GOES BEYOND DOLLAR AMOUNT

    At Harmon Street, we advise the individual, not their bank accounts. For that reason, we define financial success uniquely for each client. When you have confidence about your finances, you can’t put a price on it.

  • FULFILLMENT

    Financial services are not built solely to increase wealth. By supporting each of our clients through their biggest financial decisions, we put fulfillment in reach.

OUR PEOPLE

Broker Check

Jeff Andrews, CFP®️, AIF®️

Advisor

I started as a Financial Advisor nearly a month to the day after September 11, 2001. That was a trying time for financial markets and the US economy. My first 18 months were spent guiding clients through the aftermath of the dot-com bust, a recession, and the buildup to the second Iraq War. That was a formative time for me and I learned a lot about disciplined asset management and risk management. It made me a more conservative investor. Most importantly, it taught me how crucial it is to have a plan.

One of my favorite quotes for investing comes from none other than Mike Tyson: “Everyone has a plan until they get punched in the mouth.” Tyson obviously wasn’t talking about investing when he said this, but the principle is universal. When times get tough, a well-conceived plan is crucial to helping you make good decisions—but it’s just as crucial to have a trusted professional to consult when quick decision making is needed.

I’ve been providing advice to individuals and companies for over 20 years. I’ve spoken with thousands of people who have shared countless stories to express their unique financial situations. I use this rich experience every day in helping people make good financial decisions. In 2012, I formed Harmon Street Advisors with the belief that customized financial advice should be available to all individuals and organizations regardless of size and net worth, and without having to be routed through a call center.

Away from the office, I enjoy water polo, camping, reading non-fiction, the first fourteen holes of golf, a good IPA, and spending time with my wife and two daughters

Mayixiong “Max” Cao, CPA

Director of Accounting

As Director of Accounting, I oversee the Firm’s accounting and tax services. I have over eight years of experience in public accounting to support numerous individuals and businesses. My focus is helping clients simplify complex tax and financial issues and find peace of mind in their planning. I am fluent in both English and Mandarin, which helps me excel in building strong client relationships and communicating complex financial concepts. Whether it’s reducing tax burdens, improving profitability, or addressing customized needs, I enjoy working side by side with clients to create practical solutions that truly make a difference.

Throughout my career, I’ve worked with clients across many industries, including manufacturing, retail, real estate, restaurants, technology, healthcare, and international trade. These diverse experiences have allowed me to see firsthand the challenges business owners and families face. I find it especially rewarding to provide clear, personalized guidance that helps clients navigate uncertainty, minimize stress, and achieve long-term goals. What excites me most about my role is not only solving problems, but also building ongoing relationships where clients know they can rely on me for guidance and support.

Outside of work, I am a proud husband and father to two young boys. Family plays a central role in my life, and we enjoy exploring new places and creating lasting memories. Traveling gives us the chance to experience different cultures, whether it’s wandering the streets of New York or Las Vegas, or exploring further abroad in Hong Kong and Shanghai. One of our favorite parts of traveling is discovering local restaurants and trying different foods, which makes each trip memorable and fun. These experiences not only bring us closer together but also reflect the way I approach my work—with curiosity, openness, and a willingness to embrace new challenges.

Sheila Broderick

Client Relations Manager

As Client Relations Manager, I oversee the day-to-day operations of the firm and management of client services. I have over 13 years of experience assisting clients at the firm, helping them navigate their financial needs with clarity and confidence.

One of my biggest passions is making the client experience as straightforward and stress-free as possible. Whether assisting with a complicated 401(k) rollover or processing Required Minimum Distributions, one of my key roles is ensuring these transactions go smoothly. I especially enjoy helping clients understand and take full advantage of our firm’s systems and resources.

One of the most enjoyable parts of the work we do is helping people pursue their passions. My own biggest passion is live theater. My parents were avid fans of musicals, and they’ve been a part of my life since I was a baby. Broadway is one of my favorite places.  I once managed to see eight shows during a seven-day trip!

Alongside theater, I’m also a huge fan of foreign films and television. I enjoy Asian cinema, especially wuxia films and the work of Fifth Generation Chinese filmmakers. Hero, House of Flying Daggers, and Raise the Red Lantern are standout examples from my favorite director, Zhang Yimou.  In addition to the many K-Dramas and C-Dramas that are now available on streaming services.

And for the record—I believe it’s absolutely possible to love both Star Wars and Star Trek.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification mark CFP® in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.