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  • "If past history was all

    there was to the game,

    the richest people

    would be librarians."

    ~ Warren Buffett

  • "The investor's

    chief problem -

    even his worst enemy -

    is likely to be himself."

    ~ Benjamin Graham

  • "The four most

    dangerous words in

    investing are:

    ‘this time it's different.’"

    ~ Sir John Templeton

  • "The individual investor

    should act consistently

    as an investor and

    not as a speculator."

    ~ Benjamin Graham

  • "An investment

    in knowledge pays

    the best interest."

    ~ Benjamin Franklin

About us

Mario Hernandez, CFP

Principal /

Director of Operations

Mario Hernandez, CFP

Principal /

Director of Operations

Mario came to Gemmer in 1997 and has been serving as Director of Operations ever since. His responsibilities include handling all financial planning issues for Gemmer’s clients. Mario Is a Certified Financial Planner and a member of the Financial Planning Association. He earned a M.S. in finance/financial planning from Golden Gate University (1994) and a B.S. in accounting and finance from California State University, Hayward (1986).

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