I tend to sketch, and then decide if and how to color it afterwords.
Example(s) of Black and White sketches:
[BW.1][BW.2]Examples of Colored Sketches:
[C.1][C.2]I also work some with just raw photo-shop for results like these:
[PS.1]*Note: the feathers were made using no base image, just manipulations on photo-shop and then placed over the Rebel Insignia*
I think that's more or less enough to get started. Talk to me, tell me what you need. If I can't help you with it I'll do my best to help you find someone who can.