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Month: November 2020

Social Security Survivor Benefits and How They Work

social security survivor benefits
A Primer on the Benefits Available to You When Your Spouse Passes Away

Losing a spouse is an especially painful time. Unfortunately, many people find their grief compounded by the complexities of figuring out their finances. The process for collecting Social Security Survivor Benefits can be particularly confusing, but we hope this primer will help you wade through the confusion and better understand the benefits you may be eligible for.

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Put Your Mutual Funds On The Couch – It’s Time To Analyze Them

If you’re like most people, you don’t understand your portfolio and each of the individual mutual funds you own. A fund analysis can help.

A fund analysis, basically an audit, will determine if you have too many funds and reveal important information about each one. It will show you the actual, direct expenses of each fund, as well as the hidden costs you never see. You’ll know how much risk you have in each fund, as well as how much each fund has lost in the past.

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How to Estimate How Much You’ll Need to Retire

Four Steps to Arriving at Your ‘Enough’ Number

It’s tempting to think about retirement savings in black and white: there’s a “right” number you need to reach, at which point you have enough money saved to sustain your retirement. The trouble is, there is no right number because every retiree has a different picture of what their ideal retirement looks like. That means the amount of money you’ll need to retire could be vastly different – either far more or far less – than others your age, or even in your social circle. In order to truly understand what your retirement savings goal should be, you need to forget arbitrary numbers and come up with you own personal estimate.

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

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 financial product. 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. 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.


All investments involve risk, can involve the loss of principal, and unless otherwise stated, are not guaranteed. Past performance is
no indication of future performance and such information cannot be relied upon regarding future potential gains. 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. 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), and 2021(3) Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for
and have won the 2019, 2020, and 2021 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).

© 2020 Peak Financial Freedom Group