ADVISOR

Herman Chang is the president and investment advisor representative for Cornerstone Asset Advisors Inc.

Herman graduated from University of California, Los Angeles in 1989 with a BA degree in Economics with Phi Beta Kappa honors.  He received his Masters in Finance from the Stern School of Business at New York University in 1993.

Herman’s extensive finance career started in 1989 as an associate at Security Pacific Bank in the interest rate risk management group during the infancy stage of the trillion dollar market for interest rate derivatives.  After a stint at Chase Manhattan Bank, Herman spent 14 years at Bear Stearns & Co. Inc.  While working in the New York, San Francisco, and Los Angeles offices for Bear Stearns, Herman was responsible for building relationships with various financial institutions including banks, credit unions, insurance companies, mortgage companies and money managers in order to help them utilize interest rate derivatives and other fixed income products.  Herman was promoted to Senior Managing Director in 2006.

After the financial crisis of 2008, Herman decided to pursue a career and lifestyle change moving his family to Carlsbad, CA.  There he began working on private equity and venture capital projects that spanned various industries including energy, entertainment, healthcare, and real estate.  During this time, Herman also received his license to sell insurance and pursued personal investments in real estate and energy.  In 2010, Herman decided that working with individuals, families, and small companies in a fiduciary capacity was what he desired most.  He has found that his years of experience and knowledge in finance and economics along with his personal investment experience provides him with a great foundation in working with his clients.  Herman started Cornerstone Capital Advisors Inc. in 2015 to further support the needs of his clients and to realize his desire to use a personalized holistic approach to financial advisory.

Herman currently resides in Solana Beach, CA with his wife and two daughters.  Besides the time he spends with his family, Herman enjoys golf, tennis, attending sporting events, and being a ruling elder at his church.

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