Month: September 2020

Your 401K Plan: Take Control at Any Age 59 ½ – Or Earlier

Are you comfortable with the risk, volatility, and potential losses in your 401K plan? We have found most people have a large portion of their retirement savings are dependent on their 401k plans, yet they don’t understand or even like their 401K. They feel stuck.

If you’re working and 59 ½ or older, the IRS allows you to enact an “In-Service Transfer” of your current 401K plan to your IRA of choice, and you won’t pay any income taxes on the transfer. An “In-Service Transfer” can be very beneficial for a 401k plan, if you are trying to reduce risk, fees, or establish a plan now that will provide you guaranteed lifetime income when you retire.

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How To Turn Your Portfolio Into Dependable Monthly Lifetime Paychecks

The number 1 fear almost every retiree has is running out of money during retirement, however, there is a way that you can set yourself up for dependable income in retirement. If yours is not guaranteed to be paid to you for as long as you live, you’ll continue to worry day-after-day, year-after-year.

You can eliminate your fear of running out of money by creating income in retirement that’s guaranteed to be paid to you for as long as you live, regardless of stock market volatility, losses, or longevity.

Stocks can’t provide you a high level of income guaranteed for as long as you live, neither can mutual funds, bonds, bank accounts, or CDs.

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5 Financial Attitude Adjustments To Make For Retirement Success

For decades you’ve been a dedicated saver for retirement, seen crashes and rallies, gotten a lot of advice, and have tried to do all the right things with your money, but you still worry. The biggest problem isn’t your lack of understanding; it’s that you don’t have an actual written plan.

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Questions You Must Be Able to Answer to Have a Successful Retirement

Do You Have Responses to these Critical Retirement Planning Considerations?

All retirees have their own unique beliefs about what a successful retirement looks like, yet too many are unable to answer important financial questions about achieving that success. And, when you can’t find answers to your most pressing money questions, it’s difficult to feel financially secure.

In our 50+ years of experience, we’ve come to realize that there are nine specific questions you need to be able to answer about your money in order to plan – and achieve – a successful retirement:

  1. How much money can you safely take out of your assets for income?
  2. How long will your money actually last?
  3. Can you guarantee you will never run out of money?
  4. How can you protect your assets from volatility and losses?
  5. How much income tax will you pay on your income distributions?
  6. How much will you lose if the market takes another big drop?
  7. Is it OK to start spending some of your money?
  8. What are the total fees you are really paying and how can you reduce them?
  9. What is going to happen if you or your spouse pass away?

If you can’t answer these nine questions, it means your retirement planning is based on hope and luck – not the best recipe for success. Read on to learn Momma’s Secret Recipe, instead.

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Peak Financial Freedom Group
2520 Douglas Boulevard, Suite 110
Roseville, CA 95661


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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.

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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.

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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

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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