Building Wealth Through Empathy and Financial Guidance

Learn how an AFC and wealth management firm help their clients build wealth through empathetic and foundational financial counseling.


Challenge at a Glance

  • Addressing a gap in foundational investment management skills while creating an accessible, judgement-free environment where clients feel comfortable discussing financial goals and concerns.


Results at a Glance

  • AFC® certification became a requirement for new advisors.
  • Advisors implemented accountability systems to support client progress.
  • A behavioral finance-based plan was developed to eliminate credit card debt.
Close up an accountant working about financial with calculator at his office to calculate expenses, Accounting concept

The Challenge: Growing a community-focused practice with funding barriers

Ashleigh McFarlin, AFC®, CDFA®, CFP®, joined Claremont Financial Services at Claremont Savings Bank and sought to strengthen the firm’s investment program. She quickly identified a need for more foundational investment knowledge and empathetic, judgment-free financial counseling to better support clients’ long-term success.

The Solution: Building Lasting Change Through Financial Counseling

Ashleigh applied her AFC training to strengthen client support within the investment program by helping individuals better understand spending patterns and align expenses with income. With one high-earning couple facing significant credit card debt due to chronic overspending, she used behavioral finance strategies, goal setting, and accountability tools to create a realistic debt repayment plan. Through an empathetic counseling approach, Ashleigh helped clients uncover the emotional drivers behind their financial decisions and build healthier long-term habits.

“The AFC® certification training equipped me with the techniques and foundational knowledge I needed to create a confident, accountable space for clients. It’s transformed how I serve not just high-net-worth individuals, but everyday investment program clients who need help managing their investments."
Ashleigh McFarlin AFC®, CFP®

The Results: Raising the Standard: AFC® for New Advisors

Ashleigh’s experience inspired Claremont Financial Services to require the AFC® certification for all new advisors within 2 years, building capacity to work with previously underserved investment program customers.

Comments are closed.