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.

10/23/2026

Did you know that where your retirement income comes from can affect how much of your Social Security gets taxed? The IRS uses a provisional income formula that counts all of your other income but only half of your Social Security benefits.

That means retirees who rely more heavily on Social Security may face a lower tax burden on those benefits. Understanding this formula could help you make smarter retirement income decisions.

Many people assume that having a long-term care policy or a healthy retirement portfolio means they have potential nursi...
10/23/2026

Many people assume that having a long-term care policy or a healthy retirement portfolio means they have potential nursing home costs covered, but that’s not always the case. A complete retirement plan should address how you'll access, pay for, and navigate healthcare throughout retirement, not just hope the money is there when you need it.

Some retirement decisions only look simple.When to claim Social Security.Which Medicare path to choose.How to create a r...
10/22/2026

Some retirement decisions only look simple.

When to claim Social Security.

Which Medicare path to choose.

How to create a retirement paycheck.

How much you really spend.

Whether to do a Roth conversion.

🎧 This episode breaks down the hidden tradeoffs behind each one and why getting the details right matters. Watch it now on YouTube and our website!

10/20/2026

Losing a spouse can create a very different tax and income picture in retirement. If that happens earlier than expected, the surviving spouse could face that financial shift for 10–15 years instead of just a few.

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.

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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