Our Philosophy

Effective planning is critical to long-term success.  We encourage all of our clients to begin the AFW relationship by having us complete a comprehensive financial plan.  The goals of the planning process are simple: to provide a roadmap for each client to achieve their financial goals by integrating investment management with retirement planning, education planning, insurance planning, estate planning and other related financial issues.  Our goal is to truly understand what each client is looking to achieve so that we can develop a customized approach to meet those needs.  To that end, we view planning as a fluid process.  The end result is not a stand-alone document that decorates a library or an office, it is an ongoing process that requires attention as circumstances and/or goals change.

We are committed to providing the best planning services available.  The planning process is guided by Cheryl A. Costa, Certified Financial Planner, Member of the National Association of Personal Financial Advisors (NAPFA) and Managing Director at AFW.  The process proceeds as follows.

Step 1:	Information Gathering
Step 2:	Preliminary Planning Process
Step 3:	Review Plan Analysis Together
Step 4:	Create Initial Plan
Step 5:	Develop Customized Investment Approach
Step 6:	Implement Investment Portfolio
Step 7:	Monitor and Review Regularly