Do I have enough to actually retire? Most pre-retirees we meet are either better positioned than they think — or have a critical gap they didn't know existed.

What should I do with my old 401(k)? Roll it over? Leave it? Convert to Roth? The wrong choice can cost tens of thousands in taxes and fees.

When should I claim Social Security? Claiming at the wrong time can permanently reduce your benefits by 25% or more.

How do I turn my savings into reliable monthly income? This is the hardest question in retirement — and the one most people get wrong.

Will taxes eat up what I've saved? Without a tax-efficient withdrawal strategy, you could pay far more than necessary.

✓ 30-minute conversation with John — virtual or in-person at our Westlake office, your choice

✓ Honest assessment of where you stand today versus where you need to be

✓ Personalized analysis of your 401(k) rollover options and tax implications

✓ A clear next step — whether you work with Afia Wealth or not

✓ No obligation. No pressure. No sales pitch. If we're not the right fit, we'll tell you.

Local & Independent Based in Westlake and serving families across Greater Cleveland. Not a national call center — your neighbors.

Fiduciary Promise We're legally required to act in your best interest. Always. No commissions on product sales, no hidden agenda.

Specialized Experience We focus specifically on pre-retirees and 401(k) rollovers. This is what we do every day.

Comprehensive Planning Using sophisticated planning software (eMoney), we model your entire financial picture — not just your investments.