AFS Financial Group

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 reti

rement 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.

06/16/2026

One of the things that surprises retirees when they travel is the real cost of the experience. Do the research ahead of time to truly understand what the expenses are and whether they align with your budget.

06/13/2026

Have conversations ahead of time about what you want to do in retirement and where you want to travel to help avoid the stress of trying to plan a trip when you aren't on the same page.

✈️ You spent decades saving for retirement so why do so many retirees feel guilty spending the money?🏖️ Bucket-list trip...
06/11/2026

✈️ You spent decades saving for retirement so why do so many retirees feel guilty spending the money?

🏖️ Bucket-list trips
🚢 Family cruises
👨‍👩‍👧‍👦 Vacations with the grandkids

In this episode, Phil explains why travel should be part of the plan, not an interruption to it, and how proper planning can help you enjoy retirement with confidence instead of second-guessing every dollar you spend.

Watch now: https://philstaxhacks.com/podcast/beach-budgets-and-balance-what-vacation-planning-really-looks-like-in-retirement/

06/09/2026

When you have a pension, it gives you some different options for retirement income when combined it with Social Security.

06/06/2026

Declining the survivor option to reinvest the difference in the full pension amount doesn't account for the unexpected happening.

🚨 One pension decision could permanently change your spouse’s financial future.When retirees start a pension, they often...
06/04/2026

🚨 One pension decision could permanently change your spouse’s financial future.

When retirees start a pension, they often face a major choice:

💰 Take the larger monthly check
OR
🛡️ Take less income to protect a surviving spouse

At first glance, “investing the difference” sounds smart. Bigger check. More flexibility. More money to invest.

But what happens if the pension holder dies much earlier than expected?

In this episode, Phil Putney breaks down the real-world tradeoffs behind survivor pension elections, pension maximization strategies, life insurance solutions, and why longevity planning matters so much when making permanent retirement decisions.

Watch here: https://philstaxhacks.com/podcast/the-pension-choice-that-can-make-or-break-a-survivor-plan/

06/01/2026

True retirement means you’re no longer tied to a paycheck, but you still choose how, when, and if you want to use your skills.

05/30/2026

Markets will go up and down — that’s just investing. The key to retirement success isn’t avoiding downturns; it’s making sure the money you rely on isn’t the money exposed to short-term market swings.

Am I ready to retire in 2026? 🤔Three listeners recently asked the same question- but for very different reasons.From mar...
05/28/2026

Am I ready to retire in 2026? 🤔

Three listeners recently asked the same question- but for very different reasons.

From market uncertainty and healthcare costs to pension timing and the fear of losing purpose, Phil breaks down what actually matters when deciding whether to retire ⬇️

🎙️Watch now: https://philstaxhacks.com/podcast/am-i-ready-to-retire-in-2026/

05/26/2026

Our goal is to gather information over the course of two or three meetings before we start formulating a plan. Here's why that's important to us.

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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