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Your Retire Ready Scorecard
Not sure if you’re ready to retire? This 2-minute scorecard will tell you.
What’s inside:
These 10 self-scored metrics help you…
- See where you must take action to get ready for retirement
- Check your understanding of retirement’s tax consequences
- Determine your confidence in your current plan for retirement
- Assess your readiness to make the right Medicare decisions
- See in which financial areas you should get help
Download your scorecard now to check your retirement readiness.
Get the FREE Retire Ready Scorecard
Enter your info below and click “SEND ME THE SCORECARD.”
We respect your privacy and promise to keep your information safe.
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.
