Andrew Kustas, CMFC earned his BA in Mathematics from the University of Rochester in Rochester, NY, in 1991. In 1993, he graduated from Wake Forest University in Winston-Salem, NC, with an MA also in theoretical mathematics. His interest was in mathematical models specifically relating to economic and statistical applications. After accepting various technical jobs, Andrew settled into the investment field full time in 1998 as an analyst with Financial Focus in Wolfeboro, NH, a nationally recognized financial planning firm. He then joined the asset management firm of Harvest Capital Management in Concord, NH, as a junior investor. In 2001, he began White Pine Investments, consummating his research and background, to serve clients under a disciplined, value-driven approach to owning assets that minimize risk while offering above-average returns. Today, White Pine maintains two commercial offices, Palm Desert, CA and Wolfeboro, NH.