• Eric C. Loyd, AIF<sup>®</sup> 
    Eric C. Loyd, CFP®, AIF®
  • B. Keith Sproles MBA<sup>®</sup>/CFS 
    B. Keith Sproles
    MBA®/CFS
  • Tammy Duffy 
    Tammy R. Duffy
    Investment Advisor Representative
  • Tammy Duffy 
    Rick Holland, AIF®
    Investment and
    ERISA Consultant
     
     
     
     

Eric C.  Loyd, CFP®®, AIF®®

Eric C. Loyd, AIF<sup>®</sup> Eric Loyd received a Bachelor of Science in Accounting in 1990, and obtained his AIF® designation in 2007. Investment fiduciaries who earn the AIF® mark successfully complete a specialized program on investment fiduciary standards of care, demonstrate prudent practices for investment advisors and subsequently pass a comprehensive examination. AIF® designees require continuing education and subscribe to the Fiduciary Code of Ethics.

In 2014, Eric obtained his CFP® certification through the Certified Financial Planner Board.  CFP® certification represents a high level of financial planning competency, ethics and professionalism as outlined in the CFP® Board’s Standards of Professional Conduct.Qualifications include academic credentials in the finance and/or economic fields, several years of hands-on financial services experience, and successful performance on the comprehensive CFP® Certification Exam.  This exam tests candidates’ abilities to apply financial planning knowledge to real-life situations, including the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. CFP® professionals are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence as outlined in the Certified Financial Planner Board’s Code of Ethics. CFP® certification requires continuing education requirements.

Eric's career in the investment and retirement industry began in May 1993 with Invesco Distributors / AMVESCAP Retirement, Inc. For the next six years he worked with a variety of retirement clients in the company's Midwest and Southeastern regions as a Relationship Manager. In 1999, Eric was promoted to Regional Manager Client Services for the Southeastern region. In that role, he was responsible for over $2.5 billion in client assets. Eric also provided consulting services on all aspects of defined contribution plan management.

In May 2004, Eric joined Advanced Financial Strategists, Inc. as Vice President of Marketing and Chief Compliance Officer. In those roles his primary responsibilities included active management of individual client portfolios, consulting for retirement plans, compliance oversight, client meetings, interfacing with vendors on behalf of clients, creating and delivering advisory presentations, and offering consulting services on a wide range of retirement related topics. All of this was delivered while acting in a fiduciary capacity.

As part of an overall succession plan with Advanced Financial, Eric incorporated AFS Advisors, LLC in 2010 with Keith Sproles, and serves as its President and Chief Compliance Officer. Together, they continue to put their expertise to work for their clients' portfolio management needs.

Eric and his wife Helen have two girls. Everyone enjoys golf and tennis while Eric's younger daughter also plays lacrosse. In addition to these activities, the family enjoys weekends with friends and family watching college football and entertaining through dinners and social events. There is extended family in Atlanta and frequently weekends are spent in the N.C. Mountains or at the beach.

B. Keith Sproles MBA®/CFS®

B. Keith Sproles MBA<sup>®</sup>/CFS Keith holds a BBA in Finance from the University of Georgia, and an MBA® from Georgia State University.  Additionally, Keith holds a Certified Fund Specialist® (CFS®) designation, as sponsored by the Institute of Business and Finance.

Keith began his investment career with SunTrust Banks, Inc. in 1996 working within the Personal Trust Division as a Trust Associate.  His responsibilities included estate planning and portfolio management for high net worth individuals and families. In 1999, Keith joined INVESCO’s Retirement group as an Investment Analyst, eventually managing the Investment Services Group as Director of Investment Services.  As Director, Keith managed the fund line-up and analysis process for prospective and existing clients. He was directly involved with over $2 billion in assets.

In 2004, Keith joined Advanced Financial Strategists, Inc. as Chief Investment Officer. In that role his primary responsibilities included active management of individual client portfolios, consulting for retirement plans, investment research and analysis, portfolio construction, client meetings, interfacing with vendors on behalf of clients, creating and delivering advisory presentations, and offering consulting services on a wide range of macroeconomic topics.  All of this was delivered while acting in a fiduciary capacity.  

As part of an overall succession plan with Advanced Financial, Keith incorporated AFS Advisors, LLC with Eric Loyd, and serves as its Chief Investment Officer.  Together, they continue to put their expertise to work for their clients’ portfolio management needs. 

Keith married Brandy, his high school sweetheart, in 1997.  They have two daughters (Riley and Chloe) who attend Hebron Christian Academy in Dacula, GA where they both actively participate in the school plays and musicals.  Keith is also a board member of HCA as well as Northwood Country Club.  The Sproles Family are regulars in Athens, GA on fall Saturdays to watch the Bulldogs, and frequently vacation in Santa Rosa Beach, FL.  They regularly attend 12stone Church/Hamilton Mill.    

Tammy R. Duffy, Investment Advisor Representative

Tammy DuffyTammy received her Bachelor of Science in Economics and Finance at Meredith College in Raleigh, NC and currently holds her Series 65 designation. Her career in the investment and retirement industry began in April 1993. Throughout her career, she has worked in various positions at Fidelity Investments, INVESCO Distributors/AMVESCAP Retirement, Inc. and American Express Financial Advisors servicing client accounts, analyzing investment options and providing advisory services to individuals and businesses. At AFS, Tammy’s responsibilities include active management of individual client CFP®portfolios, consulting for retirement plans, compliance oversight, client meetings, interfacing with vendors on behalf of clients, creating and delivering advisory presentations, and offering consulting services on a wide range of retirement related topics.

 

Rick Holland, AIF®

Tammy DuffyRichard (Rick) Holland received a BS in Finance from the University of Alabama and has passed the Series 65 and Series 7 exams. He has also been awarded the Accredited Investment Fiduciary® (AIF®) Designation from the Center for Fiduciary Studies™ (the Center), the standards-setting body for fi360. The AIF® Designation signifies specialized knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care. The Designation is the culmination of a rigorous training program, which includes a comprehensive, closed-book final examination under the supervision of a proctor, and agreement to abide by the Code of Ethics.  On an ongoing basis, Designees are required to complete continuing education to maintain the AIF® Designation.

Rick’s investment advisory career spans over 30 years with the last 15 years focusing on the retirement plan segment. Rick's expertise is in the area of Defined Contribution Plans and investment management. 
His investment management career began in 1986 at the firm of Kidder Peabody & Co as a Listed Equity Trader. As a trader, he grew the business from five institutional clients to sixty institutional clients throughout North America. He then spent another five years as an Investment Advisor helping individuals manage their investment portfolios. In 1998, Rick joined Invesco Retirement Plan Services. As INVESCO's Vice President of sales, Rick was responsible for managing sales for INVESCO's private label retirement product. Under his leadership, the private label business grew to 620 plans with $7.1 billion in assets under management. INVESCO's private label partners included JP Morgan, Bank of America, Regions Bank and Frost Bank.

In April 2012, Rick joined AFS Advisors LLC, as Investment and ERISA Consultant. His responsibilities include working with individuals on investment planning, building portfolios to match his clients’ needs and risk, as well as, the ongoing active management of client portfolios.  With over 15 years in the Defined Contribution Retirement Plan area, Rick consults for retirement plans, providing compliance oversight, interfacing with vendors on behalf of clients, price negotiations, investment fund selection and monitoring, as well as creating and delivering advisory presentations. Rick delivers these services while acting in a fiduciary capacity on behalf of his clients.

Wealth Management

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Retirement Plan Services

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