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Use of this website constitutes your acceptance of our 
Terms of Use
for all website visitors (Please read).


Visitors to this website and readers of our newsletter acknowledge that they have read and agree to the terms of this disclosure and disclaimer.
Use of any part of this website or our newsletter shall constitute your agreement and acceptance of all of the terms and conditions below and in our Privacy Policy, which are subject to change.

No Soliciting.  Use of our email address, phone number and contact information is for our clients and prospective clients only.
Contact harvesting, spam, solicitations, offers and sales calls by phone or email are prohibited and shall be a violation of our Privacy Policy.

Jerry Lucas is a Colorado licensed agent for life and health insurance.  Insurance and annuity products are offered to Colorado residents only.  Colorado insurance license #RPI00075713.

ACT Financial Services, LLC, (a Limited Liability Company) doing business as Advisor Financial Services (AFS), is not an investment advisor. This AFS website and our newsletter is limited to the dissemination of general information pertaining to its services. Accordingly, the publication of the AFS website on the Internet or our newsletter should not be construed by any visitor, reader, consumer and/or prospective client as a solicitation by AFS to effect, or attempt to effect transactions in securities, or the rendering of personalized investment, insurance, legal, accounting or tax advice, for free or for compensation, over the Internet. Information is not the same as advice.  You agree to seek advice for your particular situation from an appropriate, competent, licensed professional.  

AFS representatives may receive commissions for other product sales, affiliate sales and referral fees.  Jerry Lucas, as a Colorado licensed insurance agent, receives commissions from the sale of insurance and annuities.

AFS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, freedom from computer virus, or relevance of any information on this website or in our newsletter or for any information prepared or presented by any third party, whether linked to this AFS website or our newsletter or incorporated therein, and takes no responsibility therefore. All such information is provided "as is" and solely for informational and convenience purposes only, is subject to change without notice, and all users thereof should be guided accordingly. Links to other websites do not constitute an endorsement or recommendation of any information, products or services offered or mentioned there.  

Users shall thoroughly investigate and shall accept all risks of using information, recommendations, products and services on other websites.  Beware of exaggerated claims.  Users of any information on this website or our newsletter agree to assume full risk and liability for any loss caused by misunderstanding, misinterpretation or other misuse of the information.  No consulting relationship shall exist due to any information posted or mentioned on this website, or our newsletter, or any communication with us, without a signed, written agreement.  Opinions and recommendations within this site or our newsletter do not necessarily reflect the views of any other parties, websites, vendors, insurance carriers or companies.  Governing law for any disputes arising from this website or our newsletter shall be the laws of our domicile or the location of the web server, at our choice.  If any part of this agreement shall be found to be unenforceable, that part shall be rescinded, modified or amended to meet the original intent, and shall not invalidate the remaining parts.

We do not provide legal, tax or investment advice.  If you contact us for assistance or more information, we may add your name to our opt-in mailing list.  You may request to be removed (opt-out) at any time.  We respect your privacy and do not share your information with any other parties.  We process inquiries and requests as time allows.  We reserve the right to not answer inquiries or requests for information at our discretion.

Please contact Advisor Financial Services for a free, initial consultation.

AdvisorFinancialServices.com and Advisor Financial Services logo are trademarks of Advisor Financial Services ( LLC)

For assistance or more information, please call Jerry Lucas at or send email to 


Use of this website, our contact information or our services confirms your agreement and acceptance of our 
Terms of Use
, Colorado No-Call List Act, Zero Tolerance Spam Agreement
WARNING TO TELEMARKETERS: The phone number shown is a cell phone and is listed on the National and Colorado No-Call Lists.
Soliciting, Pre-recorded Messages, Spam and Data Harvesting are EXPRESSLY PROHIBITED.  Violators will be prosecuted.
NOTICE: Consent to Electronic Delivery of Annual Privacy Policy Notice
Copyright 2001-2015 Advisor Financial Services (LLC), Colorado Springs, Colorado.   All Rights Reserved.    Last update 03/29/15