• What should I bring to the Discovery Meeting?

    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
    • Any questions you may want to write down for discussion
  • What happens during the Discovery Meeting?

    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.

  • Who would benefit from a meeting?

    • 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.
    • Anyone who would like a plan to bring certainty to their financial goals through Low Risk, Low Volatility, Successful Peace of Mind Portfolios.
  • Is AFS Wealth Management limited to specific investment companies?

    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.

  • I already work with a financial representative. Why do I need to meet with Phil?

    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. We can reasonably predict where you and your portfolio will be in 5, 10, 15, and 20 years.

  • Why use a CPA/PFS for Financial Planning?

    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.

  • What is an Ed Slott Elite Advisor and why is it important to me?

    The Ed Slott Elite Advisor designation is an exclusive group of financial advisors that specialize in retirement distribution planning. The advisors are dedicated to be leaders in the IRA industry. They are trained by Ed Slott, America’s IRA expert.

    Ed Slott was called “The Best” source for IRA advice by The Wall Street Journal. Mr. Slott has created the nationally aired and #1 Public Television Fundraising Special “Stay Rich Forever & Ever with Ed Slott.” He is the author of The Retirement Savings Time Bomb…And How to Defuse It, Parlay Your IRA into a Family Fortune, and Your Complete Retirement Planning Road Map.

    “I speak to more than 50,000 financial advisors a year,” commented Mr. Slott. “I can confidently say that The Elite IRA Advisor Group represents the top 1% of all financial advisors in the country.” Phil Putney is part of this elite group.

    There are approximately 300,000 financial advisors in the United States, only 250 are in The Elite IRA Advisor Group.

  • What is Phil Putney’s background?

    Phil has been in the financial services industry for over 20 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 Investment Advisor allow him to create comprehensive financial strategies that maximize your income, reduce your taxes, and grow your assets while reducing market volatility.