The Hidden Retirement Tax Problem Costing $1M+ Families Thousands Each Year
Most retirement plans manage investments in isolation. Discover how the Tax Alpha Advantage™ coordinates your income, investments, and taxes into one unified plan to unlock more spendable retirement income.
Most retirees are leaving tens, if not hundreds of thousands on the table. Here's why:
Most retirement plans optimize for accumulation – not what you actually get to keep.
Once you’ve built a seven figure portfolio, the biggest risk isn’t market performance – it’s taxes quietly compounding against your income. RMDs, Social Security taxation, and Medicare surcharges can turn a “solid” portfolio into far less spendable cash than expected. That’s how retirees end up wealthy on paper… but cash strapped in real life.
Roth conversions done in isolation from your broader plan can negatively impact you.
Roth conversions can be powerful, but done at the wrong time they can increase taxes, trigger IRMAA penalties, and reduce cash flow. The real advantage isn’t doing conversions – it’s knowing when, how much, and how they interact with everything else. Without coordination, a strategy meant to save taxes can actually do the opposite.
Most advisors manage investments, not a true retirement income system.
A portfolio doesn’t tell you which accounts to pull from, in what order, or how to adapt as taxes and life change. Without intentional withdrawal sequencing, small inefficiencies compound into six-figure mistakes over retirement. This is why many retirees underspend... not because they lack assets, but because they lack clarity.
We're here to change that.
My name is Scott, I'm an RFC® that works with successful families to keep them from overpaying the IRS, and utilize their wealth to live the life they've dreamed of.
Scott Kline RFC®, Parter at King Financial Network
A retirement plan built for the decisions that actually matter once you’ve built a $1,000,000+ portfolio.
Retirement Income Engineering
Most plans tell you how much you might have, not how much you can confidently use. We build a year-by-year income plan that shows where your income comes from, which accounts to use, and how withdrawals adjust when markets, inflation, or taxes change... so you’re not guessing or holding back unnecessarily.
Lifetime Tax Reduction Strategy
Taxes become your biggest expense after $1M, yet most plans treat them as an afterthought. We analyze RMDs, Social Security taxation, IRMAA, Roth timing, and withdrawal sequencing across the next 20 - 30 years... not just this year... to help reduce lifetime tax drag and preserve more spendable income.
Dynamic Plan Coordination
Retirement doesn’t fail all at once – it erodes through small, uncoordinated decisions. Your investments, income, and tax decisions operate as one integrated system, with ongoing adjustments as life and markets evolve – so your plan adapts before problems show up, not after.
Why Families Choose Us
Real Stories. Real Clarity. Real Confidence.
Are you absolutely tired of Big Financial Institutions that do not provide you with personalized attention and cater to your specific needs ... THEN ALBRITE FINANCIAL GROUP IS FOR YOU!
I love doing business with the Kline's!!!! They are always polite, super responsive, and go above and beyond expectations. I highly recommend them!
I have been more than satisfied with their performance in handling my investment account. They have provided value for the money, always professional in their dealings with me and always respond quickly and efficiently to all my requests and inquiries.
Scott and his company has been our family and business accountant for 30 years. Even though we have retired to California we still trust him and his company to handle our financial affairs including our retirement portfolio. All of the company employees we have worked with over the years have been professional, friendly and easy to work with. My recommendation of their services couldn’t be more sincere
THE OFFICE IS FRIENDLY AND PROFESSIONAL. MR. KLINE CAME TO MY RESCUE, ON A MATTER THAT NEEDED TO BE HANDLED WHILE I WAS ON VACATION. I WOULD LIKE TO ENCOURAGE EVERYONE TO STEP INTO HIS OFFICE AND LET HIM AND HIS STAFF TAKE CARE OF YOUR BUSINESS. EVEN WHEN YOUR NOT AVAILABLE THEY ARE THERE FOR YOU.
AFS is an outstanding small business dedicated to serving the local community with exceptional financial support. A “must” consider if you’re looking in the market!
Scott Kline and his team have been taking care of our many levels of accouting needs over the last 25 years. From our business to retirement to rollover to investments and beyond he has been always available and has helped us make smart decisions about our money. We have even moved out of state and we still use him for our tax returns. There is nobody I trust more in regards to our financial help. Simple or complicated his team are the best in accomplishing the best outcome. Akhila and Ken Klein
AFS group was so helpful and compassionate during a difficult time for me. As administrator for my brother’s estate I needed guidance and answers to many questions. They were very professional and my experience was very positive! The receptionist and Scott were always patient and understanding when I spoke with them. They guided me through technology glitches and made the task a little less stressful. I appreciate them so much and now understand why my brother continued to go to them even though he had moved from the area!
The personal attention and professionalism is wonderful, not to mention their knowledge of financial matters. Investing, personal finance, and retirement planning have been my focus and the team at AFS ensures that I completely understand my portfolio, financial reports and statements, which is a big deal considering how little I knew when I first started. To them, no question or problem is too small to be addressed and taken care of and they make every effort to ensure you understand what’s going on with your money. I am very pleased with the products and services that I have used from AFS and would recommend them to anyone needing a solid financial plan that meets their goals.
Scott and Ross are amazing people and very professional with the work they do. We have been using them for more than 10 years and we are thankful we decided to work with them. I would suggest anyone looking for an honest and knowledgeable team AFS (Scott and Ross) are your guys.
We have worked with Scott and his team for many years and they have always provided an excellent service. Would highly recommend this business.
Very helpful with getting me ready for retirement. I would have been a mess, without their help. Paid off debt and I am feeling much better about a forced retirement with my situation. Thank you Scott!
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John Scott is an independent contractor of Money Concepts International, Inc. All Securities through Money Concepts Capital Corp. Member FINRA / SIPC. 11440 North Jog Road, Palm Beach Gardens, FL 33418 - (561) 472-2000. Albrite Financial Group, is an independent firm not affiliated with Money Concepts Capital Corp.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor.
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