Our Services

Our entire process is focused on you.

Our clients want a comprehensive written retirement income plan and retirement solutions they can count on. At Peak Financial Freedom Group, our entire process is focused on delivering you a Comprehensive Written Retirement Income Plan.

Your Comprehensive Retirement Plan

A written plan can be used as a measuring stick to track proper progress, and explain every detail of your plan for retirement success. Having a written financial plan will help you avoid confusion, mistakes, misunderstanding, and will significantly improve the probability of a successful retirement plan. 

There are four main components to Peak Financial’s Comprehensive Written Retirement Income Plan:

  • Income Planning for life

    One of the biggest fears almost every Retiree has is running out of money, so retirees need to create dependable income, they need a guarantee they’re not going to run out of money for as long as they live.

    That sounds pretty simple, but it’s often very difficult for retirees to figure out how to do this. They often get conflicting advice. To help eliminate the fear of running out of money you must establish “Certain Income,” income that is guaranteed to be paid to you for as long as you live, to make sure you have enough money to pay for all of your wants and needs.

    At Peak Financial Freedom Group, we have found the single best way to help retirees stop worrying about their money is to make sure their income is guaranteed to be paid to them every month for as long as they live.

    REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW

  • Portfolio Risk Management

    Right now, if the stock market crashes, how much will you lose? You probably have no idea, and it’s probably a lot more than you think, and a lot more than you could withstand. It’s imperative you know how much risk you are taking, in writing. You need to have a risk stress test performed on your portfolio, just like a cardiac stress test you would have the doctor perform on your heart. Once you know how much risk you are taking currently, it makes it very easy to decide your next steps.

    At Peak Financial Freedom, we help retirees look at what they must prioritize as their number one financial goal: Asset protection against big losses which maximizes their income and increases the probability you won’t run out of money for your entire lifetime.

    REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW

  • Asset Fee Control

    Many Retirees think they are paying 1% in total fees on their portfolios, because that’s all they can see on their statements or that’s what their broker has told them. But what if you found out that you, like most Retirees we have seen, are actually paying upwards of 3% or even more per year in fees? That could really hurt your plans for retirement. In addition to making the fees you pay transparent, for the vast majority of our clients we have been able to provide significantly lower total fees, which includes advisory fees and hidden fees.

    To minimize fees, you have to understand all of the potential fees you could be paying, which we can help with. We have sophisticated software to help us uncover even the hidden fees. The bad news is that you may have paid far too much in fees during the last many years. The good news is that you no longer have to pay more than you should in fees once you schedule a complimentary financial planning review with us.

    REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW

  • Income Tax Mangement

    It’s a fact that Retirees and Pre-Retirees fear big losses and running out of money, but we have found that many Retirees are just as afraid of paying income taxes. Many Retirees believe they will pay a huge amount of income taxes if they use their assets for income, or increase their income, so they don’t use their assets. The fact is that most Retirees will not be in a high effective tax bracket so they should take income from their assets to live the retirement of their dreams. Peak’s retirement planning guidance includes helping our clients navigate tax issues and utilize their assets today.

    The majority of Retirees feel very uncomfortable increasing their income significantly during retirement because they’re afraid of getting killed with income taxes, and it’s simply because no one has explained how the income tax rates actually work. It’s very sad, but some Retirees won’t use any of their money at all due to their paralyzing fear of taxation. While you were working, you saved your money so you could use it during retirement. You didn’t save it to not use it because you were worried about how much income taxes you would pay. Schedule a meeting with us and we’ll go over retirement tax planning strategies in detail with you.

    REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW

  • LEGACY PLANNING

    Most of the clients we work with state they want to make sure they have enough money for as long as they live, avoid large losses, enjoy a wonderful retirement, use their assets to create income, and pass whatever is left to their beneficiaries. Some clients want to leave as much money as possible to their loved ones while other clients don’t want their lifestyles to suffer simply to leave a larger legacy.

    At Peak Financial Freedom Group we craft plans that meet the personal desires you have for yourself and your family. There is not a right or wrong answer, we help you plan for whatever individual goals you have.

    REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW

Let’s schedule a discovery call

THERE’S NO TIME LIKE THE PRESENT

We offer a complimentary “Get Acquainted” meeting to learn about your goals and see if our services are right for you. 

REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW
Peak Financial Freedom Group
2520 Douglas Boulevard, Suite 110
Roseville, CA 95661
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DISCLOSURE:

All of the information presented here is provided and intended to be used for general educational and informational purposes only and is not intended as a solicitation for you to buy or sell any security or financial product. The content is developed from sources believed to be providing accurate information. None of the information presented is intended to give you specific tax, investment, real estate, legal, estate, or financial advice but rather to serve as an educational platform to deliver information. The ideas, thoughts, and strategies presented here are those of the Management Team and provide an insight to our views on Peak Financial Freedom Group, LLC. Some of this material was developed and produced by Peak Financial to provide information on a topic that may be of interest. Every detail in this website is subject to change without notice. Seminar, radio shows, TV productions, book releases, magazine and book promotions are sponsored, promoted and paid for by Peak Financial Freedom Group, LLC.

2nd Opinion Package available to Qualified Retirees and Soon-To-Be-Retirees may include free consultations, a free retirement income plan, risk analysis, and fee analysis. In addition, a comprehensive written retirement income plan may be provided to those who complete the entire process. Qualified Retirees and Soon-To-Be-Retirees must have a minimum of $500,000 of investible assets such as IRA’s, 401K’s from past employers, stocks, bonds, mutual funds, bank accounts, money markets, CD’s, etc., but DOES NOT include real estate, businesses, limited partnerships, 401K/retirement plans that can’t be moved to another plan, and other illiquid type assets.

Past performance is no indication of future performance and such information cannot be relied upon regarding future potential gains. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining market. Advisors and agents may only conduct business with residents of the states or jurisdictions in which they are properly registered or licensed and not all of the securities, products and services mentioned are available in every state or jurisdiction.

Nothing is directly or indirectly guaranteed by this information. The planning and ideas presented herein are not suitable for all individuals or situations. Hypothetical examples are used to explain concepts and are not indicative of potential results you could receive; past performance is not a guarantee of future results; and results are not indicative of any particular investment or income tax situation; your results will be different and could be lower or higher. Please consult legal or tax professionals for specific information regarding your individual situation. Peak Financial does not offer tax or legal advice. Consult your financial professional before making any investment decision.

Insurance product features and benefits, such as guaranteed lifetime income riders, are subject to contract terms, limitations, fees, and the claims paying ability of the insurance company issuing the contract. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of any other asset including an annuity may have tax consequences, early withdrawal penalties, or other costs and penalties as a result of the sale or liquidation. Different assets can be complex and carry fees, costs, and surrender charges. If you place assets under management with Fiduciary Solutions LLC, we are paid an advisory fee from Fiduciary Solutions LLC and if you purchase an annuity through us, we are paid commissions from an insurance company.

2019(1), 2020(2), 2021(3), 2022(4), 2023 (5) and 2024 (6) Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for and have won the 2019, 2020, 2021, 2022, 2023 and 2024 Five Star Wealth Manager Awards. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Once awarded, wealth managers may purchase additional profile ad space or promotional products. Award does not evaluate quality of services provided to clients. The Five Star award is not indicative of the wealth manager’s future performance. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. Award winners represent an exclusive group of wealth managers who have demonstrated excellence in their field by satisfying 10 objective selection criteria. For additional information on the Five Star award, including a complete list of the 10 objective selection criteria and their research/selection methodology, go to https://fivestarprofessional.com.

Investment advisory services are offered through Fiduciary Solutions, LLC, a California Registered Investment Advisor. Insurance products and services are offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA Insurance License #0N14013). Peak Financial Freedom Group LLC is a financial planning and umbrella marketing organization, which enables the provision of multiple financial services under one brand. Peak Financial Freedom Group LLC, PFFG Insurance Agency LLC, and Fiduciary Solutions LLC are affiliated entities with common ownership and control. Jim Files is licensed as an investment adviser representative with Fiduciary Solutions LLC (CRD # 1620449) and is a licensed insurance producer with PFFG Insurance Agency LLC (CA Insurance License #0F06511). Dan Ahmad is licensed as an investment adviser representative with Fiduciary Solutions LLC (CRD # 1491561) and is a licensed insurance producer with PFFG Insurance Agency LLC (CA Insurance License #0732913).

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