Salinas, CA Office

AFS Investments provides advisory and planning services to individuals (including high‑net‑worth and non‑HNW clients), retirement plan sponsors, trusts, and business entities, managing roughly $56 million for about 140 client relationships through a three‑advisor team. The firm’s core offerings include ongoing portfolio management, financial planning and consulting, and retirement plan consulting consistent with what many similar firms provide.

AFS uses both “bottom‑up” stock selection and “top‑down” model/asset‑allocation approaches, and clients can engage the firm on discretionary, non‑discretionary, or self‑directed terms; analysis draws on fundamental and technical inputs and the firm routinely monitors and rebalances accounts. For custody and execution the firm relies on a single institutional custodian platform and aggregates trades across client accounts when appropriate.

Compared with many peers, AFS recently formalized a Brokerage Concierge program focused on clients who custody accounts at its chosen custodian, and it offers retirement plan services that range from non‑discretionary fiduciary consulting to discretionary fiduciary management where the firm can act as the plan’s investment manager under ERISA. The firm also refers clients to third‑party RIAs and may retain sub‑advisors, arrangements that generate referral or sub‑advisory compensation and therefore create potential conflicts of interest the firm discloses.