AFT Financial Planning

Alan F. Tucker, the founder, serves as the central decision-maker. The firm does not operate an investment committee structure; Tucker originates, underwrites, and closes each transaction directly, making the investment process heavily dependent on his personal judgment and network.

No. Despite the name, AFT Financial Planning does not operate as a conventional financial advisory or wealth management firm. It functions as a private investment office that uses an RIA registration as its regulatory structure while deploying capital into private credit, special situations, and real estate on a deal-by-deal basis.

AFT Financial Planning uses a deal-by-deal special purpose vehicle structure. Co-investors participate on a per-transaction basis, which gives the firm flexibility to vary the investor pool and fee terms for each deal rather than managing a pooled fund with standardized terms and redemption constraints.

AFT originates private credit directly to middle-market borrowers, often in scenarios where the borrower prioritizes certainty and speed of execution. The firm also invests in special situations including LP interest purchases, distressed debt, and litigation finance, underwriting each opportunity against a discrete asset value rather than relying on sponsor cash-flow projections.

The firm has historically sourced real estate through foreclosure auctions and bank note sales, focusing on multifamily and industrial properties in secondary southeastern US markets. This sourcing method is designed to capture assets at a discount to replacement cost, creating an immediate margin of safety that market-rate acquisitions cannot reliably provide.