About

AFS Financial Group

Retirement is complicated. Taxes? Even more so…

The questions never seem to end:
  • How can I make the most with my existing money and pay the least amount of taxes?
  • What’s in our best interest for a tax-smart retirement income from our assets?
  • How soon can I retire and still have a fun, comfortable lifestyle?
  • How do I balance living well in my retirement and planning my estate?
  • Where can I find a financial planner instead of a product salesman?

We help you save more on taxes, so you can spend more on living

Money doesn’t grow on trees. You’ve worked hard to save your money.

But if not properly planned for…

Those of us who have saved the most will be the best customers for Uncle Sam.

“Success is achieved by design, not by chance.”

We help you retire with the best lifestyle possible, instead of letting taxes hold you back.

You’ve worked hard to save your money. Now it’s time to use it to live a life you love.

We guide you through your options, give you a complete game plan to retire, and monitor and adjust your plan throughout your retirement.

“AFS walks you through all the ‘foreign’ stuff when you’re approaching retirement, which gives us a lot of confidence.”

G & A, AFS CLIENTS

Want to have a chat to see if we’d be a good fit?

BOOK A CALL WITH PHIL

Our calls are low-key, friendly and pressure-free

phil-putney@2x

Phil Putney, CPA/PFS

Originally a CPA, Phil’s clients started asking him to help them plan their finances in addition to filing their taxes.

The rest is history.

Phil has been in the financial services industry for over 30 years, both as a CPA/PFS and as an Investment Advisor. Phil has dedicated his career to helping his clients create sound financial strategies that are designed to provide confidence and peace of mind in retirement.

Phil’s mission is to help retirees and soon-to-be-retirees take control of their financial future and make the best decisions possible for them and their loved ones. As Phil is often heard saying “if you don’t have a plan, then whose plan are you following? The IRS’s? The Social Security Administration?”

Phil’s background and education as a CPA with a Masters in Taxation, his designation as a Personal Financial Specialist and Investment Advisor allow him to create comprehensive financial strategies that maximize your income, reduce your taxes, and grow your assets while reducing market volatility.

Phil and his wife Debi are avid campers, spending the summer months enjoying the time away in their fifth wheel camper along with their dog Bailey and cat Casey.

Contact PHIL

Brandon Klemm

Brandon is an Associate Advisor who supports clients through financial planning, investment management, and ongoing client service. He works closely with the advisory team behind the scenes on financial plan development, investment implementation, and client account servicing, while also helping clients navigate health and life insurance needs as part of their overall financial picture.

In addition to his insurance licenses, Brandon is a Series 65 licensed Investment Adviser Representative and is continuing his professional development toward becoming a CFP® professional. He enjoys helping

clients better understand the moving pieces of retirement planning and takes pride in providing thoughtful, personalized support throughout the planning process.

Brandon graduated from Olivet Nazarene University with a B.S. in Marketing. He and his wife, Brea, live in Southeast Michigan with their six children — Jack, Riley, Charlie, Luke, Teddy, and Everett. They also share their home with a Golden Retriever named Lacey and two cat brothers, Rhys and Rowan.

Click here for a quick video explanation

You’ve worked hard for your money. We help make your money work hard for you.

Want help to plan your Tax-Smart Retirement™? Click below to schedule a call.

Yes, let’s talk

Frequently Asked Questions

All financial planners are not created equal. Licensed CPAs have a Fiduciary Standard and have long been considered the standard for financial knowledge, objectivity and integrity, prepared to handle the most demanding financial situations. A Personal Financial Specialist (PFS) credential can only be earned by CPAs, and it requires additional education, real-world experience and extensive knowledge to pass a rigorous exam.

A CPA/PFS has an unparalleled understanding of how to help clients benefit from today’s complex decisions about taxes, retirement, estate planning, investments and insurance. Anyone planning their financial future will sleep better knowing their plan is CPA Strong.

We are normally available Monday – Friday, 9:00 – 6:00 or by appointment.

Phil has been in the financial services industry for over 30 years, both as a CPA and as an Investment Advisor. Phil has dedicated his career to helping his clients create sound financial strategies that are designed to provide confidence and peace of mind in retirement.

Phil’s mission is to help retirees and soon-to-be-retirees take control of their financial future and make the best decisions possible for them and their loved ones. As Phil is often heard saying “if you don’t have a plan, then whose plan are you following? The IRS’s? The Social Security Administration?”

Phil’s background and education as a CPA with a Masters in Taxation, his designation as a Personal Financial Specialist and Registered Investment Advisory (RIA) allow him to create comprehensive financial strategies that maximize your income, reduce your taxes, and grow your assets while reducing market volatility.

We are located at 22029 Farmington Rd in Farmington Hills, MI

There is absolutely no pressure, charge or obligation. Your first visit is designed to answer your questions, give you ample information, and give you an objective opinion on your current financial situation.

This is YOUR hour. We will answer and address any questions you may have. By reviewing your information, Phil will better understand your financial concerns and can then share with you the issues and concerns he sees in your current financial situation. At the close of the hour, you will decide if you want to meet again.

The following items would be helpful, the more you provide us, the more we can help you:

  • Your latest financial statements such as: Mutual funds, CD’s, Life insurance policies, Annuity policies, Retirement accounts (IRA, 401K, TSA, 403B.etc.) [Please bring your statements not just a spreadsheet]
  • Wills and Trusts
  • A copy of last two year’s Federal & State Income Tax Return
  • An estimate of your annual expenses
  • Pension benefit options if applicable
  • Latest Social Security statements for both spouses
  • Any questions you may want to write down for discussion

You may schedule a time to visit by calling our office at (248) 888-7530 or click here to schedule your Retirement Trifecta Assessment.

  • Retiree or pre-retiree who is looking for an unbiased evaluation of their current financial situation to ensure they are ready for retirement.
  • Anyone with an IRA, 401K, TSA, or any other investment, who would like to fully understand what they own and how it works, to help know how to maximize these dollars, and minimize taxes.
  • Anyone who would like a plan to bring certainty to their financial goals through Low Risk, Low Volatility, Successful Peace of Mind Portfolios.

Ninety-one percent of the people who come in to visit with us already have a financial representative. Many times that representative is not a retirement planning specialist, and more often than not, that person works for a particular company rather than for the client. Most times they do not work under a Fiduciary Standard. In contrast, Phil does have to meet the Fiduciary Standard. This means that Phil must put his client’s best interest first.

Our portfolios have a plan for success instead of a hope and a prayer.

No. Phil Putney CPA/PFS started his management firm because he believes that each investor is unique and no single investment company is right for everyone. However, AFS Wealth Management’s whole wealth management system is built on a foundation of Low Risk, Low Volatility investments. Our clients cannot afford to go backwards.