Month: April 2021

Have You Ever Had Your Entire Portfolio Analyzed?

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No matter how much you’ve saved for retirement, whether on your own or with an advisor, you can never be completely confident of your finances without having your entire portfolio analyzed. You may have stocks, mutual funds, maybe some bonds, and perhaps you’ve even been told you’re diversified and don’t have too many risks. 

But, do you know for certain, 100 percent, that your portfolio will be okay if the stock market crashes? Unless you’ve had your entire portfolio analyzed, the answer is most likely no. The best way for you to be confident of your portfolio is to place it under a microscope and have a total portfolio audit. A total portfolio audit will:

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Warning Signs About Your Money

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Most retirees who have saved a significant amount of money for retirement rely on a financial professional to help them make the best decisions with their money. What your advisor does, and says, will tell you if you should feel confident with his/her advice. Here are some telltale warning signs:

#1- You don’t have a comprehensive written retirement income plan, nothing is in writing.

#2- You are told to “Ride It Out” or “Hang In There” when you are suffering through large losses.

#3- Your advisor acts like your dad, he/she acts like your money is their money. 

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How to Keep Your Relationship Healthy in Retirement

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retirement
Six Tips for Keeping the Spark Alive During this Chapter of Life

When you and your partner have spent your whole lives working, it’s natural for retirement to change the dynamic of your relationship. Just as with the financial aspects of your retirement, it’s important to plan ahead to keep your relationship healthy in this phase of life, too. You might have a fantastic financial advisor and all the money in the world, but if you haven’t taken into consideration how retirement will impact your relationship – and vice versa – then you’re missing a crucial part of retirement planning.

Below we’ll share six retirement and relationship tips to help you fully enjoy this phase of life with your spouse or partner and thrive together in your dream retirement.

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Are You Blind to Your Own Possible Financial Future?

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Have you been led to believe that everything is great in your finances? Maybe you trust your advisor who says everything is okay. Perhaps you believe the news that everything is okay because the stock market keeps hitting all-time highs? Maybe you’re an optimist and just believe things will work out somehow and nothing bad will happen?

Here is your wake-up call: You can’t plan and handle your retirement finances this way. You’re putting your finances, and your family’s finances in jeopardy by hoping that you’ll get lucky.

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Episode 2: Risk and Reward – The Questions You Should be Asking Your Financial Advisor

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Many people don’t know what to ask their financial advisors, but they know their own feelings. They worry about making a financial mistake or losing a lot of money, about running out of resources in retirement, and whether they’ll be able to leave a legacy for their children and grandchildren. In this episode, Jim and Dan explain how tapping into your feelings, identify your fears, and talking to your financial advisor is the best way towards finding solutions.

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The Two Stages of Money in Retirement

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stages of retirement planning
Are You Still Accumulating Assets or is it Time to Shift Your Focus to Asset Preservation?

At Peak Financial Freedom Group, we believe there are a distinct set of seven rules to live by in order to create retirement security. Today, we’re sharing the first lesson, which is that there are two stages in retirement planning when it comes to money. We detail all seven rules in our book, Momma’s Secret Recipe for Retirement Success.

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Season Premiere: The Peak Plan – Nixing Hidden Fees and Showing You How Every Dollar Gets Spent

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The average consumer doesn’t often know all the money management or hidden fees they’re paying, which can cause confusion and also chip away at your retirement nest egg year after year. Jim and Dan discuss why understanding all the hidden fees you’re paying is critical to safeguarding your wealth so you can retire well and with peace of mind, knowing you can achieve your financial and lifestyle goals for this phase of your life.

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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 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 $1,000,000 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), 2021(3), and 2022(4) Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for and have won the 2019, 2020, 2021, and 2022 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 the 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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