AFG Fiduciary Services

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Client assets under management

$163,520,597

Clients

159

71% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$1,028,431

About

AFG Fiduciary Services provides discretionary wealth management, comprehensive financial planning, and retirement-plan advisory services to individuals, high‑net‑worth clients, families, trusts, businesses, and retirement plans. The firm acts as a fiduciary and offers ERISA-related services including investment oversight and discretionary management for plan sponsors.

AFG’s investment process is primarily long‑term and fundamental‑analysis driven, with customized portfolios built from mutual funds, ETFs, individual equity and fixed‑income securities and tailored tax considerations. For certain clients the firm may employ short‑term margin borrowings, leveraged or inverse ETFs, options and other derivatives in separately managed accounts—strategies the brochure indicates are permitted but are uncommon among similar supported firms.

AFG is a small, three‑advisor team managing about $166 million and sponsors an AFG Wrap Fee Program that bundles transaction, custody, and administrative costs into a single asset‑based fee, an arrangement relatively rare among peers. The firm discloses an institutional custodial relationship that provides technology and research benefits and notes advisory‑person affiliations with a broker‑dealer and insurance licensing, which it identifies as potential conflicts of interest.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Wealth management Retirement plans for business owners (SEP, solo 401k) Active portfolio management Passive / index investing Options & derivatives strategies

Occupation focus

Retired Founder/Business Owner

Fee options

Fixed

Fixed fees for financial planning engagements, negotiated based on expected hours.

Percentage

0.50% to 1.50% annually (based on assets, scope, complexity, and relationship)

Commissions

Certain advisory persons are registered representatives and may receive commissions for securities or insurance sales separately from advisory fees.

Project-based

Up to $300 per hour for certain financial planning engagements.

Other

Fee-only: Wealth management fees based on assets under management; financial planning fees charged hourly (up to $300/hour) or fixed fee negotiated per engagement; retirement plan advisory fees up to 1.00% annually based on plan assets.

Main office location

AFG Fiduciary Services

2 Essington Drive

Hingham MA 02043, United States

Number of offices

Most active in

Florida · Maine · Massachusetts · New Hampshire · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website (781) 741-2540

Advisors at this firm

Joseph M

CFP®, Series 63

Hingham, MA

AFG Fiduciary Services

Joseph McCarthy is a CFP® with 43 years of industry experience, currently serving as an advisor at AFG Fiduciary Services. He has worked at Purshe Kaplan Sterling Investments, Inc. and Wells Fargo Advisors Financial Network, LLC. In addition to his advisory role, he is involved in selling fixed income annuities and insurance. AFG Fiduciary Services provides discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, families, trusts, businesses, and retirement plans. The firm employs a primarily long-term, fundamental-analysis investment approach and offers tailored, holistic engagement solutions.

Wealth management Retirement plans for business owners (SEP, solo 401k) Active portfolio management Passive / index investing Options & derivatives strategies Retired Founder/Business Owner

Susan S

Series 63, Series 65

Hingham, MA

AFG Fiduciary Services

Susan Skahan is an Investment Advisor Representative with AFG Fiduciary Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Purshe Kaplan Sterling Investments, Inc. since 2021 and was previously with Wells Fargo Advisors Financial Network from 2015 to 2021. AFG Fiduciary Services provides discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, families, trusts, businesses, and retirement plans. The firm employs a primarily long-term, fundamental-analysis approach to portfolio construction while maintaining flexibility for shorter-term adjustments and leverages various investment tools as appropriate.

Wealth management Retirement plans for business owners (SEP, solo 401k) Active portfolio management Passive / index investing Options & derivatives strategies Retired Founder/Business Owner

Brian K

Series 63, Series 65

Hingham, MA

AFG Fiduciary Services

Brian Kenney is a financial advisor with AFG Fiduciary Services in Hingham, MA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments, Wells Fargo Advisors, and Alignment Financial Group. In addition to his advisory work, he is a licensed insurance agent providing fixed and indexed annuity solutions. AFG Fiduciary Services advises individuals, high-net-worth clients, families, trusts, businesses, and retirement plans through discretionary portfolio management and financial planning. The firm employs a primarily long-term, fundamental analysis approach while maintaining flexibility for shorter-term adjustments and offers a range of plan-level advisory services.

Wealth management Retirement plans for business owners (SEP, solo 401k) Active portfolio management Passive / index investing Options & derivatives strategies Retired Founder/Business Owner

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