AFS Financial Group

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AFS Financial Group Private Wealth Management, Tax, Investment, and Insurance Specialist. Providing Low Volatility, Low R

AFS Financial Group specializes in financial planning for retirees and soon-to-be retirees. Our goal is to help educate our clients and provide them with the information and resources they need to take control of their financial future and have confidence and peace of mind in their retirement. At AFS Financial Group, we'll help you create a comprehensive financial strategy that addresses your retirement needs, from low-risk successful investment strategies, tax minimization, social security benefits planning, and even planning for the unexpected and the inevitable. AFS is truly a full-service financial firm with over 17 years of experience helping retirees and soon-to-be retirees enjoy their golden years. Our Chief Investment Advisor, Phil Putney, is a CPA and 23-year veteran of the industry. Phil has spent his career building a repertoire of skills that allow him to help protect his clients from the many pitfalls that face today’s seniors, from market volatility to taxes, social security, and even IRA withdrawal strategies, all can affect your quality of life during retirement. Phil is a member of Ed Slott's elite IRA advisory group, which makes up less than 1% of the top financial professionals in the industry. Phil has also been awarded the 5-star wealth management award for 2 years running for outstanding service as a financial professional. To learn more about AFS or Phil visit our website at http://www.afswealthmgt.com/

Let us help you enjoy your retirement, discover what it means to have security & peace of mind in your retirement. Call us today: (248) 888-7530

Securities and Advisory Services Offered Through Centaurus Financial, Inc., Member FINRA and SIPC, a Registered Investment Advisor. Centaurus Financial, Inc., and AFS Wealth Management, LLC are not affiliated Companies.

10/16/2026

Long-term care is easy to dismiss until you look at how common it may become as people live longer. Planning for the possibility now can keep a future care need from becoming a financial shock.

Every headline and market swing can feel like a reason to panic, but your retirement strategy shouldn't change every tim...
10/16/2026

Every headline and market swing can feel like a reason to panic, but your retirement strategy shouldn't change every time the news cycle does. If current events are constantly causing you stress, it may be a sign that your portfolio carries more risk than you're comfortable with.

What scares you most about retirement?Running out of money?A market crash?Healthcare costs?Long-term care?Losing a spous...
10/15/2026

What scares you most about retirement?

Running out of money?
A market crash?
Healthcare costs?
Long-term care?
Losing a spouse?

Those risks are real but the scariest part is often not knowing what would happen next.

🎃 This episode breaks down five financial frights and how planning can make them a lot less intimidating. Watch it now on YouTube and our website!

10/13/2026

When Social Security faced serious funding pressure in the 1980s, lawmakers raised the full retirement age and changed how benefits were taxed. Similar fixes could come back into the conversation again.

10/10/2026

For people who can no longer work because of a disability, Social Security disability benefits may provide access to full benefits before traditional retirement age. It’s an important distinction when physically demanding work cuts a career short.

Your parents' retirement was shaped by a very different world where pensions were more common, healthcare costs were low...
10/09/2026

Your parents' retirement was shaped by a very different world where pensions were more common, healthcare costs were lower, and life expectancy was shorter. If your retirement plan is built on yesterday's assumptions instead of today's realities, it may be time for a fresh look.

Full Social Security at 60?That’s the idea behind a new proposal aimed at workers in physically demanding careers.But wh...
10/08/2026

Full Social Security at 60?

That’s the idea behind a new proposal aimed at workers in physically demanding careers.

But who qualifies? Who pays for it? And how much should you change your retirement plan based on a bill that may never become law?

Phil breaks down the proposal and the bigger planning lesson for anyone whose body may force retirement earlier than expected.

🎧 Watch it now on YouTube and your favorite podcasting app!

09/29/2026

Saving into a Roth is a powerful tool, but you have to keep a long-term view on this money and the taxes you could be saving down the road.

09/25/2026

Americans saving for retirement have two primary options putting money away for retirement and there's a huge tax component that you have to consider.

You’re 60. Retirement is five years away. Is it too late to start doing Roth conversions?The answer isn’t automatically ...
09/24/2026

You’re 60. Retirement is five years away. Is it too late to start doing Roth conversions?

The answer isn’t automatically yes....or no. The key is running the math.

A Roth conversion means voluntarily paying taxes today in exchange for moving money into an account that may provide tax-free qualified withdrawals later. But the real analysis goes much further than that.

This week's show will dig into all the factors that we have to take into account before deciding if the Roth conversion is worth it.

🎧 Get the breakdown here: https://philstaxhacks.com/podcast/is-a-roth-conversion-worth-it-if-youre-close-to-retirement/

Address

22029 Farmington Road
Farmington Hills, MI
48336

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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