AFS Wealth Management LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Fixed fees between $500 and $10,000 for financial planning services
$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%
Commission-based compensation earned by licensed insurance agents for selling insurance products; commissions are separate and in addition to advisory fees
Hourly fees between $100 and $300 per hour for financial planning
Fee-only: Fixed fees between $500 and $10,000; hourly fees between $100 and $300 per hour for financial planning
Main office
3651 Mars Hill Rd Suite 700
Watkinsville GA 30677
Advisors at this office
3
Most active in
Georgia · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Peter F
Series 63, Series 65
Watkinsville, GA
AFS Wealth Management LLC
Peter Flemming is a financial advisor at AFS Wealth Management LLC with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining AFS Wealth Management, he worked at Avantax Advisory Services and Avantax Investment Services. Outside of financial advising, he is involved in agricultural activities as a member of JCE Farms LLC, which grows and sells blueberries and chicken eggs. AFS Wealth Management LLC is a small SEC-registered adviser serving individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm offers ongoing portfolio management, pension consulting, and financial planning using a mix of analytical approaches and tailors services to documented risk tolerances and client objectives.
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.
Lee S
Series 66
Watkinsville, GA
AFS Wealth Management LLC
Lee Stennes is a financial advisor at AFS Wealth Management LLC with 16 years of industry experience. He holds the Series 66 designation and has worked previously at MPWM Advisory Solutions LLC, LPL Financial, and Wells Fargo Advisors. Outside of his advisory role, he is a member of a private membership club and workspace, The Golf Club Oconee, in Watkinsville, GA. AFS Wealth Management LLC is a small SEC-registered firm serving individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm offers portfolio management, pension consulting, and financial planning using a combination of analytical approaches and provides both discretionary and non-discretionary management tailored to client risk tolerances.
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