We are an independent investment advisory and financial planning firm. Founded in 1988, AFS specializes in personal asset management and comprehensive financial planning for individuals and families. We are also specialists in providing workplace retirement plans with comprehensive solutions that serve both your firm's and your employees' best interests. AFS offers the experience and sophistication of a large, institutional investment firm, with a level of attention and client service only an independent, locally-owned company can provide. This communication is strictly intended for individuals residing in the states of AL, CA, CO, CT, DC, DE, FL, GA, HI, MA, MD, MT, NC, NJ, NV, NY, PA, SC, TN, TX, VA, VT, WA. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Securities and Advisory Services offered through Commonwealth Financial Network®, Member FINRA/SIPC