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An independent, full-service financial advisory, which has been helping people and companies alleviate the complexities of finance, investing, benefits, insurance and beyond since 1972.

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Remain Unique. Remain Independent.

Associated Financial Consultants Investor Services is dedicated to the creation and conservation of lifetime assets. We provide financial solutions to complex situations and challenges that is easy to digest, understand, strategize from and most importantly execute, track and adapt to. Our clientele consists of a wide variety of individuals, who are both well-established or establishing themselves, and companies of all sizes, both local and national. We believe that every individual and company is unique – such as ourselves – with a wide array of goals and challenges throughout multiple stages, whether it’s finding success, during success or with continuing success. Therefore, every solution needs to be tailored and customized with a unique approach. Associated prides itself on being independent for over 40 years, and it’s our goal to continue helping others remain unique and independent for many generations to come.

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Is your estate in order? This short quiz may help you assess your overall strategy.

Each year hundreds of children die or are injured in pool accidents. By taking seven steps, you can keep your pool safe.

Gun owners need to make sure that their homeowners policy covers the full value of their firearm(s) as personal liability.

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It's important to understand the pros and cons when considering a prepaid debit card.

There are ways to improve your physical fitness without denting your fiscal fitness.

Understanding some basic concepts may help you assess whether zero-coupon bonds have a place in your portfolio.


BW grad and trustees chair Chuck Rotuno is tops in tech.

BW business faculty develop new knowledge in accounting, finance, marketing and management as global scholars.


A comprehensive and rigorous program, accounting is offered as a major and minor.

The accounting major prepares students to:

Master of Accountancy (MAcc) 4+1 Option

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prepares students for careers in the accounting profession, including public accounting, industry, and government agencies and for candidacy to sit for the CPA exam.

Eligible accounting majors can apply for the full-time MAcc program as an optional fifth year of studies at BW. Successful applicants will graduate with their bachelor's degree and begin the full-time program in the following fall or spring semester. The program is also available as a part-time program for students with other plans after graduating.

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BW provides a supportive, professional environment. The average class size is 19 students, which allows for individual attention and faculty mentoring.Experiential learning bridges classroom study with real-world opportunities. You can enhance your studies through internships, fellowships, study abroad and a variety of co-curricular and other learning opportunities.


Accounting Association

Networking and learning opportunities are a key part of this organization. Students interact with professionals through informative programs and guest speakers. Over 20 firms attend "Meet the Accountants Night," where many students make first connections for internships and jobs.

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At Baldwin Wallace, you’ll experience personal and professional growth in a supportive community that challenges and inspires you to succeed.Baldwin Wallace has long championed the success of its students. Evidence of this can be seen in the extraordinary achievements of its alumni spread throughout the United States and the world.

Among recent accolades, 92 percent of graduates from the class of 2014 reported being in rewarding jobs or in graduate school studies within six months after graduation.

Gabe Adams ’14 is financial representative with Northwestern Mutual in Cleveland, and was named 2015 Northern Ohio representative of the year. He interned at the company while at BW. Gabe was profiled in Cleveland Magazine’s 2015 “Faces of Cleveland” representing the financial industry. He is from Hudson, Ohio.

Ally Smith ’13 is fund accountant at The Townsend Group in Cleveland. She is a graduate of BW’s 3/2 program, earning bachelor’s degrees in accounting and finance and an MBA in 5 years. Study abroad in Iceland gave the Strongsville, Ohio, native international experience that has distinguished her in job interviews.

Jaclyn Lee ’12 is senior associate in the risk assurance practice at PwC in Charlotte, N.C. She graduated from BW’s 3/2 program, earning a bachelor’s degree and MBA in five years. Internships, campus leadership positions, faculty mentoring and study abroad prepared the Euclid, Ohio, native for a successful career.

James Eberts ’11 is continuous improvement analyst forSherwin-Williams Company in Cleveland. He has worked in the company's São Paulo, Brazil, office . FromNorth Canton, Ohio, the liberal arts education he received at BW gave him a global perspective to expand his career into Latin America. He also holds an MBA from BW.

Justin Novak ’11 is manager in the assurance practice at Ernst Young in Cleveland. He holds an MBA and bachelor’s degrees in accounting and finance from BW. Justin interned at Ernst Young and obtained a full-time position with the company two years prior to graduation. He is from Strongsville, Ohio.


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Make a list of your high-risk situations.

There are only a few reasons why people use drugs and alcohol. They use to escape, relax, and reward themselves. In other words, people use drugs and alcohol to relieve tension.

There are only a few reasons why people use drugs and alcohol.

The first rule of recovery is that you must change your life. What do you need to change? If you understood the previous paragraph, then you need to change the way you relieve tension. Everyone needs to escape, relax, and reward themselves. Those are essential coping skills for a happy life. But addicts don't know how to do those things without using.

If you manage to stop using for a while, but don't learn how to relax, your tension will build until you'll have to relapse just to escape again. Tension and the inability to relax are the most common causes of relapse.

I know relaxation will help. I have treated thousands of patients. Many of them have told me that relaxation has changed their life. There is only one reason why people don't relax – because they think they're too busy to relax. It goes something like this, "I know it makes sense, but I've got so many other things I have to do."

I know relaxation will help.

Ask yourself how much time you spend on your addiction. If you add up all the time it takes to get your drug, use it, deal with its consequences, and plan your next relapse, you'll realize that relaxing for twenty to forty minutes a day is a bargain.

Relaxation is not an optional part of recovery. It's essential to recovery. There are many ways to relax. They range from simple techniques like going for a walk, to more structured techniques like meditation. Meditation is an important part of that mix because the simple techniques don't always work. If you're under a lot of stress, you may need something more reliable like meditation. Use any of these techniques, or any combination. But do something everyday to relax, escape, reward yourself, and turn off the chatter in your mind.

Relaxation is not an optional part of recovery. It's essential to recovery.

Numerous studies have proven that relaxation reduces the use of alcohol, tobacco, and marijuana.(1, 2)

Two important coping skills for recovery are the ability to relax and manage stress, and the ability to change negative thinking.

Stress management is important, because when you're tense you tend to do what's familiar and wrong instead of what's new and right. When you're tense, you're not open to change.

Cognitive therapy is important because negative thinking is a major cause of anxiety and depression which often underlie addiction. If you can change your thinking, you will improve your life.

These skills are so important that I have written an entire website devoted to each topic. For more information, follow these links: http://www.MindBodyRelaxationGuide.org http://www.CognitiveTherapyGuide.org

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