Firm Description Advisor Financial Services, Inc, formerly known as David C. Luck, CPA PC is an investment advisor providing investment advisory services on a discretionary basis for a variety of clients, including individuals, corporations, limited liability companies (LLCs), pension and profit sharing plans, trusts, estates, and charitable organizations. The Firm also provides clients with an opinion regarding the suitability of their current investment strategy as well as the investments selected to achieve those stated objectives without further management. In addition, the Firm also provides tax advice including income tax preparation, where suitable, and limited accounting and bookkeeping services. The Firm David C. Luck, CPA PC, was founded in 1995 as a Professional Corporation and immediately began offering financial planning and investment advice. On November 12, 2013, David Luck filed a new Certificate Incorporation, as Advisor Financial Services, Inc. which continues to offer the tax, investment and financial planning services. David C. Luck has been and continues to be the sole owner and officer of both corporations.
On January 1, 2015, Advisor Financial Services, Inc. opened a second office in Glen Allen Virginia and provides the same services at this location.
Advisor Financial Services, Inc. is registered with the SEC as an Investment Advisor Principal Owner: The Firm’s principal owner is David C. Luck, CEO and Chief Investment Officer. Types of Advisory Services The Firm offers the following types of advisory services upon specific client request: financial planning, portfolio management, investment advices, tax preparation, tax planning and business consulting to its clients. Clients may include individuals, corporations, limited liability companies (LLCs), pension and profit sharing plans, trusts, estates, and charitable organizations. Investment Advisory Services The Firm provides investment advisory services, defined as giving continuous advice to a client, and selecting investments for a client based on the individual needs of the client. Through personal discussions and or questionnaires, goals and objectives are established based on a client’s particular circumstances. If necessary, the Firm may assists the client in developing a personal investment policy, and then create and manage the client’s portfolio based on that policy. The interview(s) may also include, but are not limited to, a discussion of the goals of the client, use of written questionnaires, review of client’s current financial position, income tax effects, tolerance to risk, family specifics, values and health information as well as a discussion of employer sponsored plans, where applicable.

Each client is advised that it will remain his/her responsibility to promptly notify the Firm of any changes to their respective financial situation and consequently, their investment objectives. The Firm uses standardized models and assigns each client to a model based on the clients investment objectives or policy. Investment strategies generally include long-term and short-term purchases depending upon the individual needs of the client. The Firm uses asset allocation, or spreading investments among a number of asset classes and sectors (domestic stocks vs.
foreign stocks; large cap stocks vs. small cap stocks; corporate bonds vs. government securities) for most client portfolios. Advisor Financial Services, Inc.Page 5Form ADV Part 2 The Firm offers selective financial planning services at the clients specific request, which may include a review of all aspects of a client’s current financial situation, including the following components: cash management, risk management, insurance, education funding, goal setting, retirement planning, estate and charitable gift planning, tax planning, and capital needs planning. The Firm meets with the client to review risk tolerance, financial goals and objectives, and time horizons. Additional meetings may include a review of additional financial information; sources of income, assets owned, existing insurance, liabilities, wills, trusts, business agreements, tax returns, investments, and personal and family obligations. Financial planning services requested by the client may be comprehensive, or may focus on certain components. Clients understand that when The Firm is engaged to address only certain components, the client’s overall financial and investment issues may not be taken into consideration. Tailored Relationships The Firm may, at the clients specific request, tailor investment advisory services to the individual needs of the client. The goals and objectives for each client are documented. Clients are allowed to impose restrictions on the investments in their account. The Firm may, at it’s sole discretion, accept any reasonable limitation or restriction to its discretionary authority on the account placed by the client. All limitations and restrictions placed on accounts must be presented to the Firm in writing. Wrap Fee Programs The Firm does not participate in any Wrap Fee Programs. Client Assets As of December 31, 2022, The Firm manages approximately $31.3 million in assets that are managed on a discretionary basis; approximately $1.8 million in assets that are managed on a non-discretionary basis; for a total of approximately $33. million in total assets under management. Advisor Financial Services, Inc.Page 6Form ADV Part 2