AFS Wealth Management LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
AFS Wealth Management is a small, recently formed registered investment adviser serving individuals, high‑net‑worth individuals, pension and profit‑sharing plans, charitable organizations, and business entities. The firm provides portfolio management, pension/401(k) consulting, and standalone financial planning alongside ongoing account monitoring and written Investment Policy Statements for each client.
The firm typically requests discretionary authority to implement client Investment Policy Statements and uses a mix of fundamental, technical, cyclical and economic analysis to inform asset allocation across mutual funds, ETFs, fixed income, REITs annuities and select non‑U.S. and commodity exposures. Account reporting is provided through the custodian and the firm requires clients to use a specified custodian; it also discloses it does not aggregate trades for multiple clients.
AFS Wealth Management is notable for its affiliated business structure: it is under common ownership with an accounting/tax/payroll services company and a related insurance entity, and some firm representatives are licensed insurance agents who may receive separate commission compensation. The firm’s small scale (three advisors, roughly $25 million in AUM and about 40 clients) and the explicit disclosure of cross‑entity referral practices and potential conflicts of interest distinguish it from many peers.
Client services
Expertise
Fee options
Fixed fees between $500 and $10,000 for standalone 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%
Insurance commissions earned by representatives as licensed insurance agents; commissions are separate and additional to advisory fees
Hourly fees between $100 and $300 per hour for standalone financial planning services
Fee-only: Fixed fees between $500 and $10,000 for financial planning; Hourly fees between $100 and $300 per hour
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:
-
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
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 two years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services, Inc. Outside of his advisory role, Flemming is involved in agricultural operations through JCE FARMS LLC, where he helps grow and sell blueberries and chicken eggs. AFS Wealth Management is a small registered investment adviser serving individuals, high-net-worth clients, pension plans, charitable organizations, and business entities. The firm offers portfolio management, pension consulting, and financial planning using a mix of fundamental, technical, cyclical, and economic analysis to guide asset allocation.
Raymond R
CFP®, Series 63, Series 65
Watkinsville, GA
AFS Wealth Management LLC
Raymond Reynolds is a Certified Financial Planner (CFP®) with 22 years of industry experience. He is currently with AFS Wealth Management LLC and has prior experience with HD Vest Investment Services and Crump Life Insurance. Reynolds serves as a board member of the nonprofit Rural Roots Revival, Inc., and he is also involved as a financial manager with Westminster Presbyterian Church. AFS Wealth Management LLC is a small registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities. The firm provides portfolio management, pension consulting, and financial planning, using a mix of fundamental, technical, cyclical, and economic analysis to guide asset allocation.
Lee S
Series 66
Watkinsville, GA
AFS Wealth Management LLC
Lee Stennes is a financial advisor with AFS Wealth Management LLC, holding a Series 66 credential and 16 years of industry experience. His prior roles include positions at MPWM Advisory Solutions, LPL Financial, Wells Fargo Advisors, J.P. Morgan Securities, Chase Investment Services, Merrill, and Waddell & Reed. He is a member of The Golf Club Oconee, a private membership club and workspace in Watkinsville, GA. AFS Wealth Management is a small registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities. The firm offers portfolio management, pension consulting, and financial planning services, using a combination of fundamental, technical, cyclical, and economic analysis to guide asset allocation across various investment vehicles.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)