What are the opening hours?

Monday 9am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

The AFI Group

Helping families break free from debt, rising tax rates, and market
volatility to maximize your income

10/16/2026

𝗬𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗿𝗲𝘁𝗶𝗿𝗲 𝘄𝗶𝘁𝗵 $𝟲𝟬𝟬,𝟬𝟬𝟬 𝗮𝗻𝗱 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗿𝗼𝘂𝗻𝗱 𝘁𝗵𝗲 𝗪𝗥𝗢𝗡𝗚 𝗻𝘂𝗺𝗯𝗲𝗿.

Most people measure retirement readiness by how much they've accumulated.

But here's what that number doesn't tell you.

At a 4% annual withdrawal rate, $600,000 generates an initial $24,000 a year, or $2,000 a month, before taxes.

Now imagine two retirees with identical savings.

One withdraws from a traditional IRA, where distributions are generally taxable.

The other has access to qualified tax-free withdrawals.

Same $600,000. Different after-tax income.

And that's before considering inflation, withdrawal timing, and whether those savings can support 30 years of retirement.

𝗬𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗴𝗼𝗮𝗹 𝘀𝗵𝗼𝘂𝗹𝗱𝗻'𝘁 𝗷𝘂𝘀𝘁 𝗯𝗲 𝗮 𝗯𝗶𝗴𝗴𝗲𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗯𝗮𝗹𝗮𝗻𝗰𝗲. 𝗜𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗲 𝗺𝗼𝗿𝗲 𝘀𝘂𝘀𝘁𝗮𝗶𝗻𝗮𝗯𝗹𝗲, 𝘀𝗽𝗲𝗻𝗱𝗮𝗯𝗹𝗲 𝗶𝗻𝗰𝗼𝗺𝗲.

Subscribe to for practical retirement income and tax planning insights.

10/15/2026

𝗧𝗵𝗲 𝗺𝗼𝘀𝘁 𝗲𝘅𝗽𝗲𝗻𝘀𝗶𝘃𝗲 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗺𝗶𝘀𝘁𝗮𝗸𝗲 𝗺𝗶𝗴𝗵𝘁 𝗯𝗲 𝘁𝗵𝗲 𝗼𝗻𝗲 𝘆𝗼𝘂 𝗱𝗼𝗻'𝘁 𝗲𝘃𝗲𝗻 𝗿𝗲𝗮𝗹𝗶𝘇𝗲 𝘆𝗼𝘂'𝗿𝗲 𝗺𝗮𝗸𝗶𝗻𝗴.

Every year, retirees discover their prescriptions cost more, their doctors are no longer covered, or their premiums have quietly increased.

And the worst part?

Many don't find out until they're standing at the pharmacy counter.

Your Medicare plan doesn't have to stay the same just because you do.

Before December 7, review your Annual Notice of Change and compare your total yearly costs—not just your monthly premium.

💡 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗶𝘀𝗻'𝘁 𝗷𝘂𝘀𝘁 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘆𝗼𝘂'𝘃𝗲 𝘀𝗮𝘃𝗲𝗱. 𝗜𝘁'𝘀 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘆𝗼𝘂 𝗴𝗲𝘁 𝘁𝗼 𝗸𝗲𝗲𝗽.

Want to understand the hidden costs that can impact your retirement?

👉 Subscribe to WealthVids Media on YouTube for more insights.

10/14/2026

⚠️ 𝗬𝗼𝘂𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 𝗰𝗮𝗻 𝘁𝗲𝗹𝗹 𝘆𝗼𝘂 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗼𝘄𝗲 𝗶𝗻 𝗔𝗽𝗿𝗶𝗹. 𝗕𝘂𝘁 𝗰𝗮𝗻 𝘁𝗵𝗲𝘆 𝘂𝗻𝗱𝗼 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗺𝗶𝘀𝘀𝗲𝗱 𝗶𝗻 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿?

That's the problem with waiting until tax season to think about your tax bracket.

By the time you file, some of your biggest planning opportunities may already be gone.

❌ Unused room in a lower tax bracket.
❌ Missed opportunities to evaluate Roth conversions.
❌ Required withdrawals that may push taxable income higher.

𝗧𝗵𝗲 𝗿𝗲𝗮𝗹 𝘁𝗮𝘅 𝗺𝗶𝘀𝘁𝗮𝗸𝗲 𝗶𝘀𝗻'𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗽𝗮𝗶𝗱. 𝗜𝘁'𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗵𝗮𝘃𝗲 𝗽𝗹𝗮𝗻𝗻𝗲𝗱 𝗳𝗼𝗿.

December 31 isn't just the end of the year. It's the deadline for many tax-planning decisions.

Know your numbers BEFORE the year closes.

📺 Subscribe to for practical retirement tax insights that help you plan ahead.

10/13/2026

𝗬𝗼𝘂 𝘀𝗽𝗲𝗻𝘁 𝟯𝟬 𝘆𝗲𝗮𝗿𝘀 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀. 𝗢𝗻𝗲 𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱.

At age 59½, you can generally access your IRA or 401(k) without the 10% early withdrawal penalty.

But here's what that milestone DOESN'T protect you from:

❌ A bigger income tax bill.
❌ More of your Social Security benefits becoming taxable.
❌ Higher Medicare premiums.

The problem isn't necessarily how much you've saved.

𝗜𝘁'𝘀 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝗼𝗳 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆 𝘆𝗼𝘂'𝗹𝗹 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗴𝗲𝘁 𝘁𝗼 𝗸𝗲𝗲𝗽.

Retirement isn't just about accumulating wealth. It's about knowing how to turn that wealth into income without creating unnecessary tax consequences.

And the order in which you withdraw from your accounts can matter just as much as the amount.

🔔 Subscribe to for more insights on retirement income, tax-efficient withdrawals, and protecting your financial future.

10/12/2026

🚨 𝗬𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗽𝗮𝘆𝗶𝗻𝗴 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀 𝗺𝗼𝗿𝗲 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘁𝗮𝘅𝗲𝘀 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼.

And the surprising part? Your own retirement savings could be contributing to the problem.

Many retirees focus on how much they've saved.

But there's another question that deserves just as much attention:

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗼𝗳 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆 𝘄𝗶𝗹𝗹 𝘆𝗼𝘂 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗴𝗲𝘁 𝘁𝗼 𝗸𝗲𝗲𝗽?

Withdrawals from traditional retirement accounts can cause more of your Social Security benefits to become taxable.

And once Required Minimum Distributions (RMDs) begin, you may have less control over when that taxable income shows up.

The lesson?

It's not just about HOW MUCH you withdraw.

It's about WHEN and WHERE you withdraw it from.

💡 A smarter retirement income strategy starts with understanding the tax consequences before you take your next withdrawal.

💰 Could your retirement withdrawals be triggering unnecessary taxes? Learn what to consider before taking your next withdrawal.
👇
🔗 https://wealthvids.com/legacy

10/09/2026

You have $2 million.

So… how much does that actually pay you?

And more importantly:

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗱𝗼𝗲𝘀 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗿𝗲𝗰𝗲𝗶𝘃𝗲 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂'𝗿𝗲 𝗴𝗼𝗻𝗲?

Most people know their retirement balance.

Far fewer know:
• What their money actually produces each month
• How much they keep after taxes
• How much could be lost to taxes over time
• What ultimately passes to their family

A big number on a statement doesn't automatically create a big retirement income—or a big legacy.

𝗬𝗼𝘂𝗿 𝗯𝗮𝗹𝗮𝗻𝗰𝗲 𝘁𝗲𝗹𝗹𝘀 𝘆𝗼𝘂 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲. 𝗬𝗼𝘂𝗿 𝗽𝗹𝗮𝗻 𝘁𝗲𝗹𝗹𝘀 𝘆𝗼𝘂 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗸𝗲𝗲𝗽.

Wealth transfers by design, not by default.

What will your $2 million actually pay you—and what will your family keep?
Find out here: https://wealthvids.com/legacy

10/08/2026

𝗧𝗵𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗥𝗶𝘀𝗸 𝗡𝗼𝗯𝗼𝗱𝘆 𝗖𝗵𝗮𝗿𝘁𝘀

Most retirement conversations focus on how much money you have.

But there’s another question:

𝗪𝗵𝗮𝘁 𝘄𝗶𝗹𝗹 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗯𝘂𝘆 𝟭𝟬, 𝟮𝟬, 𝗼𝗿 𝟮𝟱 𝘆𝗲𝗮𝗿𝘀 𝗳𝗿𝗼𝗺 𝗻𝗼𝘄?

At just 3% inflation, prices can double in roughly 24 years.

That means the income that feels comfortable at 62 or 65 could feel very different at 80 or 86.

Groceries rise.
Healthcare rises.
Utilities rise.
Your lifestyle costs rise.

And your retirement income may not rise at the same pace.

𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗱𝗲𝘀𝘁𝗿𝗼𝘆 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 𝗼𝘃𝗲𝗿𝗻𝗶𝗴𝗵𝘁. 𝗜𝘁 𝗰𝗮𝗻 𝘀𝗹𝗼𝘄𝗹𝘆 𝘀𝗵𝗿𝗶𝗻𝗸 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝘆𝗲𝗮𝗿 𝗮𝗳𝘁𝗲𝗿 𝘆𝗲𝗮𝗿.

The goal isn’t simply to have income today.

It’s to build an income strategy designed to keep working for you as costs change.

Want to see the inflation chart and how rising costs can impact your retirement income?
👉 https://wealthvids.com/legacy

10/07/2026

𝗪𝗵𝗮𝘁 𝗶𝗳 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝘆𝗼𝘂’𝗿𝗲 𝗳𝗼𝗿𝗰𝗲𝗱 𝘁𝗼 𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄 𝗰𝗿𝗲𝗮𝘁𝗲𝘀 𝗮 𝘁𝗮𝘅 𝗯𝗶𝗹𝗹 𝘆𝗼𝘂 𝗻𝗲𝘃𝗲𝗿 𝗽𝗹𝗮𝗻𝗻𝗲𝗱 𝗳𝗼𝗿?

That’s the RMD problem many retirees discover too late.

At 73, the IRS can require you to take money from your retirement accounts—even when you don’t need the income.

And that withdrawal can create a domino effect:

𝗠𝗼𝗿𝗲 𝘁𝗮𝘅𝗮𝗯𝗹𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 → 𝗵𝗶𝗴𝗵𝗲𝗿 𝘁𝗮𝘅𝗲𝘀 → 𝗺𝗼𝗿𝗲 𝘁𝗮𝘅𝗮𝗯𝗹𝗲 𝗦𝗼𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 → 𝗽𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀.

The mistake isn’t necessarily waiting until 73 to deal with RMDs.

𝗧𝗵𝗲 𝗺𝗶𝘀𝘁𝗮𝗸𝗲 𝗶𝘀 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝘂𝗻𝘁𝗶𝗹 𝟳𝟯 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲𝗺.

There may be opportunities before RMDs begin to strategically convert some traditional retirement assets to Roth, potentially reducing future forced withdrawals and giving you more control over your taxable income.

Your retirement plan shouldn’t start when the IRS says it has to.

𝗬𝗼𝘂𝗿 𝗥𝗠𝗗 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘀𝗵𝗼𝘂𝗹𝗱𝗻’𝘁 𝗯𝗲𝗴𝗶𝗻 𝗮𝘁 𝟳𝟯.
S𝗲𝗲 𝗵𝗼𝘄 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗽𝗹𝗮𝗻 𝗮𝗵𝗲𝗮𝗱 → https://wealthvids.com/legacy

10/06/2026

𝗧𝗵𝗲 𝘄𝗲𝗮𝗹𝘁𝗵𝗶𝗲𝘀𝘁-𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 𝗺𝗶𝗴𝗵𝘁 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗯𝗲 𝘁𝗵𝗲 𝗼𝗻𝗲 𝗻𝗼𝗯𝗼𝗱𝘆 𝘀𝗲𝗲𝘀.

We’re taught to think early retirement requires sacrifice.

Cut everything.
Spend nothing.
Live like you’re broke until you finally have “enough.”
But that’s not how quiet wealth is built.

It’s built through decisions that are almost impossible to brag about:

→ Maxing your HSA year after year.
→ Rebalancing because it’s time—not because the market scared you.
→ Putting assets in the right accounts for tax efficiency.
→ Knowing your actual retirement number instead of guessing.

There’s no viral moment.

No single stock.
No magic investment.
No dramatic breakthrough.

Just a handful of smart decisions repeated for years.

𝗧𝗵𝗮𝘁’𝘀 𝘀𝘁𝗲𝗮𝗹𝘁𝗵 𝘄𝗲𝗮𝗹𝘁𝗵.

And the biggest mistake may be trying to build wealth without knowing what “enough” actually means for you.

Want to know your real retirement number?
Start here → https://wealthvids.com/legacy

10/05/2026

𝗬𝗼𝘂 𝗰𝗮𝗻’𝘁 𝘀𝗽𝗲𝗻𝗱 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗯𝗮𝗹𝗮𝗻𝗰𝗲. 𝗬𝗼𝘂 𝗰𝗮𝗻 𝗼𝗻𝗹𝘆 𝘀𝗽𝗲𝗻𝗱 𝘄𝗵𝗮𝘁’𝘀 𝗹𝗲𝗳𝘁 𝗮𝗳𝘁𝗲𝗿 𝘁𝗮𝘅𝗲𝘀, 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀, 𝗮𝗻𝗱 𝗼𝗯𝗹𝗶𝗴𝗮𝘁𝗶𝗼𝗻𝘀.

That’s why some retirees with impressive portfolios still don’t feel financially free.

The better question isn’t just:

“How much have I saved?”

It’s:

“𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗼𝗳 𝗺𝘆 𝗺𝗼𝗻𝗲𝘆 𝗱𝗼 𝗜 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗰𝗼𝗻𝘁𝗿𝗼𝗹?”

Well-funded retirees tend to think differently. They protect cash flow. They reduce payments that don’t buy freedom. And they think about taxes before the money gets spent.

Because every dollar unnecessarily lost to taxes is a dollar that has to be replaced somewhere else.

Your retirement number matters.

But 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗸𝗲𝗲𝗽 may matter even more.

Want to find your real number?

Start here → https://wealthvids.com/legacy

Address

3420 Bristol Street 6th Floor
Costa Mesa, CA
92626

Opening Hours

Monday	9am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.theafigroup.com/contact-us, https://www.theafigroup.com/whats-next

Alerts

Be the first to know and let us send you an email when The AFI Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The AFI Group:

Want your business to be the top-listed finance company in Costa Mesa?