About The Firm

Thank you for your interest in our firm.  At AFS, we believe people who know each other personally, build a stronger relationships.  We look forward to meeting you.  In the mean time, here is a short introduction.

Our firm provides wealth management, financial planning and tax services to individuals. Our wealth management and financial planning services range from investment management of your account to long term planning for events such as retirement and college tuition.  Our tax services include preparation of various types of returns and short and longer term tax planning.  For more information on your specific services, please choose from the menu above.

We believe everyone matters and we strive to build a relationship where the services we provide are personal and professional. 

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Firm History

  • 1989 - David Luck, CPA MBA opens a local income tax and computer consulting company helping clients with tax issues and small business accounting and bookkeeping systems
  • 1994 - The company begins to offer financial planning services
  • 1995 - The company incorporates in New York as David C. Luck, CPA PC
  • 1997 - Company registers as a Registered Investment Advisor in New York and joins Waterhouse Securities as an independent fee based advisor
  • 2000 - Company opens new office in Chatham, New York
  • 2003 - Waterhouse Securities becomes TD Ameritrade
  • 2013 - David C. Luck, CPA PC, spins off Advisor Financial Services, Inc. as a separate company servicing our clients with accounts at TD Ameritrade
  • 2014 - Advisor Financial Services, Inc. opens a second location in Glen Allen VA under the trade name Advisor Financial & Tax

    • Our Staff

    David Luck, CPA MBA

    David Luck, CPA MBA

    CEO

    David is a Certified Financial Planner, Registered Investment Advisor and Certified Public Accountant. He has been assisting individuals, businesses and not for profit organizations in the areas of investment management, retirement plans, financial planning, and tax strategies since 1988. He holds a Bachelors Degree in Accounting and a Master's Degree in Business Administration with an emphasis in financial planning.

    Dave and his staff have prepared more than 16,000 tax returns, he has taught business planning courses at local schools. He is the past Treasurer for Delta Lake Bible Conference Center.  He has served as Treasurer for the Financial Planning Association, (Northeastern New York Chapter) and his local church. On the personal side, Dave is husband to a wonderful wife, father of three young men and a born again Christian. He enjoys flying his Piper Arrow airplane, the outdoors and spending time with family and friends.