AFS Wealth Management LLC

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Client assets under management

$25,100,849

Clients

28% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$627,521

About

AFS Wealth Management LLC is a small SEC‑registered adviser that serves individuals, pension and profit‑sharing plans, charitable organizations, and business entities, providing ongoing portfolio management, pension consulting, and standalone financial planning. The firm prepares an Investment Policy Statement for each client and offers both discretionary and non‑discretionary management along with periodic portfolio monitoring and reporting.

AFS WM uses a mix of analytical approaches — including fundamental, technical, charting, cyclical, and economic analysis — and implements long‑ and short‑term purchases as well as strategic asset allocation consistent with documented risk tolerances. Financial planning is offered on a fixed‑fee or hourly basis and pension consulting is tailored to plan demographics, investment objectives, and service‑provider recommendations.

Distinctive features include the firm’s common ownership with Acuff Financial Services Inc. (a tax, accounting, and payroll services company) and AFS Insurance LLC; some representatives are licensed insurance agents and may receive commission compensation for insurance sales (disclosed as a potential conflict and optional for clients). Operationally, AFS WM requires clients to use a designated custodian (Altruist) and does not aggregate block trades across accounts, and its small scale and integrated accounting/insurance affiliations differentiate it from many peers.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Retirement plans for business owners (SEP, solo 401k) General tax planning Annuities Wealth management Real estate investing

Fee options

Fixed

Fixed fees between $500 and $10,000 for financial planning services

Percentage

$0 - $400,000: 1.50% $400,001 - $750,000: 1.25% $750,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $4,000,000: 0.75% $4,000,001 - $10,000,000: 0.50% $10,000,001+: 0.30%

Commissions

Commission-based compensation earned by licensed insurance agents for selling insurance products; commissions are separate and in addition to advisory fees

Project-based

Hourly fees between $100 and $300 per hour for financial planning

Other

Fee-only: Fixed fees between $500 and $10,000; hourly fees between $100 and $300 per hour for financial planning

Main office location

AFS Wealth Management LLC

3651 Mars Hill Rd Suite 700

Watkinsville GA 30677, United States

Number of offices

Most active in

Georgia

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

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

Accountant / CPA / tax prep

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

Is not active or affiliated with:

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.

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

Quick links

LinkedIn Facebook Website (770) 554-8344

Advisors at this firm

Peter F

Series 63, Series 65

Watkinsville, GA

AFS Wealth Management LLC

Peter Flemming is a financial advisor with AFS Wealth Management LLC in Watkinsville, GA. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining AFS Wealth Management, he worked at Avantax Advisory Services and Avantax Investment Services. Outside of his advisory work, he is involved in agricultural activities through JCE FARMS LLC, which grows and sells blueberries and chicken eggs. AFS Wealth Management LLC provides portfolio management, pension consulting, and financial planning services with a focus on mutual funds, fixed income, real estate funds, annuities, ETFs, commodities, and select non-U.S. securities. The firm applies modern portfolio theory and a long-term trading approach, typically seeking discretionary authority to implement client portfolios.

Retirement plans for business owners (SEP, solo 401k) General tax planning Annuities Wealth management Real estate investing

Raymond R

CFP®, Series 63, Series 65

Watkinsville, GA

AFS Wealth Management LLC

Raymond Reynolds is a CFP® with 22 years of industry experience, currently serving as the sole advisor at AFS Wealth Management LLC. His prior roles include positions at HD Vest Investment Services and Crump Life Insurance. He is also a board member of Rural Roots Revival, a nonprofit organization. AFS Wealth Management LLC provides portfolio management, pension consulting, and financial planning services, focusing on mutual funds, fixed income, real estate funds, annuities, ETFs, commodities, and select non-U.S. securities. The firm employs modern portfolio theory and a long-term trading approach, offering written pension consulting plans alongside advisory services.

Retirement plans for business owners (SEP, solo 401k) General tax planning Annuities Wealth management Real estate investing

Lee S

Series 66

Watkinsville, GA

AFS Wealth Management LLC

Lee Stennes is a financial advisor with AFS Wealth Management LLC in Watkinsville, GA, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at MPWM Advisory Solutions LLC, LPL Financial, Wells Fargo Clearing, Wells Fargo Advisors, and J.P. Morgan Securities. He is a member of The Golf Club Oconee, a private membership club and workspace. AFS Wealth Management LLC offers portfolio management, pension consulting, and financial planning services focused on mutual funds, fixed income, real estate funds, annuities, ETFs, commodities, and select international securities. The firm uses modern portfolio theory and a long-term trading approach, typically seeking discretionary authority and requiring clients to use a designated custodian.

Retirement plans for business owners (SEP, solo 401k) General tax planning Annuities Wealth management Real estate investing

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