AFT Financial Planning

AFT Financial Planning

AFT Financial Planning was established around 2010 by Alan F. Tucker, who structured the firm as a vehicle for deploying his own capital and that of a small circle of co-investors into dislocated credit opportunities and asset-heavy situations. Unlike a conventional wealth management practice or RIA, the firm's name understates an investment posture that is closer to a private investment office — focused on generating yield and equity upside from structured transactions rather than gathering fee-based assets. The firm concentrates on three primary sleeves: private credit, secondaries and special situations, and real estate. In private credit, AFT originates and structures loans directly with middle-market borrowers, often in scenarios where speed and certainty of close carry a premium over the lowest-cost capital. The special-situations book targets LP interest purchases, distressed debt, and litigation finance claims — areas where Tucker can underwrite to an asset value rather than a cash-flow multiple. Confirmed real estate exposures include multifamily and industrial properties in secondary southeastern US markets, acquired through foreclosure auctions and bank note sales (per public record). The firm operates primarily in North American markets. AFT Financial Planning operates with a lean structure; Tucker remains the central investment decision-maker. The firm does not run a commingled fund, preferring deal-by-deal SPVs that allow co-investors to opt in on a per-transaction basis. In 2023, the firm closed a structured preferred equity investment into a sponsor acquiring a portfolio of workforce housing assets across Georgia and South Carolina, reflecting its continued appetite for yield-generating real estate with a discounted basis (per public record). Structurally, AFT differs from most firms that call themselves financial planning practices. It does not sell financial plans. The RIA registration is the regulatory wrapper; the actual function is a deal-by-deal investment office that uses the advisory structure to maintain flexibility on deal sourcing, fee structures, and co-investor participation. This architecture avoids the redemption-timing constraints of a closed-end fund while preserving the ability to act quickly when a borrower or seller needs a non-bank solution.