Month: May 2021

Episode 8: The Financial Mistakes Costing You More Than Your Money

When we think about what drives a lifestyle, the most obvious answer is income. Yet, securing a supportable income in retirement can be tricky when you’re depending on investments in the markets. This episode of Peak Financial Freedom is all about what mistakes you may be making with your investments and savings that end up costing you even more than money in retirement. To avoid these mistakes, Jim and Dan provide some insight into how you can tackle your finances, mitigate the risk in your portfolio, and establish a strong source of income to last you throughout your retirement. 

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Episode 7: The Golden Rule for Assessing Your Financial Risks in Retirement

When it comes to retirement, you should prepare to lower your financial risk considerably. In this episode, Jim and Dan share their “Golden Rule of 5-10%” to ensure you’re never in a position to lose too much, even if the stock market were to crash. Far from putting all your money in the bank, though, the guys share how you need to utilize different types of financial instruments in a way that mitigates your financial risk and won’t leave you too open to the market.

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Episode 6: When is it a Good Time to Retire? (Hint: It’s NOT About Your Age!)

If you’re wondering whether you can retire, make sure you’re not playing a guessing game. In this episode, Jim and Dan explain why choosing when to retire is about much more than your age. If you’re feeling overwhelmed, focus on your budget first. Then, you can determine when to retire by creating a full financial plan that takes into account components like income, tax planning, legacy planning, inflation, future medical care, and more. 

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Episode 5: The Bucket Concept: Helping Retirees Better Understand Their Money

Many people don’t have a full understanding of what is happening within their investment portfolio. For a full picture of what your money is doing, it can be helpful to think of it within a bucket system. In this episode, Jim and Dan explain the three buckets, as well as how your diversification – the way you choose to balance your buckets – depends on what you want your money to do for you.

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Adjusting to Retirement: 8 Helpful Tips

adjusting to retirement
Many Retirees Find This New Phase of Life More Challenging Than They Bargained For

Many new retirees are shocked to find that, though they have dreamed for decades about how they would enjoy their golden years, adjusting to retirement is actually quite difficult at first. On the surface, it would seem like leaving the stress and busyness of work behind and embracing a daily schedule of leisure would be ideal, but many retirees find it hard to navigate this “new normal.” That’s because retirement can often mean a loss of identity, and most people don’t prepare for this psychological challenge. Whether you identified as a lawyer, banker, chef, teacher, or small business owner, it’s easy to begin to question who you are now that you’ve retired.

Other issues can trip up new retirees, as well. While you may have more time for hobbies and the people you love, you may also have less money and feel less purpose in life. This can lead to anxiety and depression and, in fact, a study in the Journal of Population Aging recently found that retirees are twice as likely as working people to suffer from these mental health issues.

So, what is a new retiree to do? Below we’ll discuss eight helpful tips for adjusting to retirement that will help you navigate the challenges you may not have been expecting.

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Episode 4: Removing Fear from Your Finances

Too often, people aren’t equipped to fully comprehend their finances causing them to be too scared of what could happen with their money that it’s hindering their decision making. Luckily, Jim and Dan have the tools you need to tackle your financial fears and fully take control of your financial situation. Later in the show, Jim and Dan focus on how fear of money in retirement can cause more harm than good and offer their answers to all of your burning retirement planning questions.

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


All presentation data is provided and intended to be used for general educational purposes only and is not intended as a solicitation for you to buy or sell any financial product.  By contacting Peak Financial Freedom Group, you may be offered additional information regarding the purchase of financial products. None of the material presented is intended to give you, nor are the presenters engaged in giving you, specific tax, investment, real estate, legal, estate, retirement, or financial advice, but rather to serve as an educational platform to deliver information; nor is it intended to show you how the strategies presented can specifically apply to your own tax, investment, estate, financial, or retirement position, but rather to offer an idea of how these principles generally may apply. Consult with a qualified investment, tax, legal, and/or retirement advisor before making any decisions.

Stocks, bonds, or mutual funds have risks and can lose principal, even with a stop loss, and there are no guarantees of gains, as past performance is not indicative of future positive investment results. Hypothetical examples are used to explain concepts and are not indicative of potential results you could receive. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund a new portfolio and/or annuity may have tax consequences, early withdrawal penalties, or other costs and penalties as a result of the sale or liquidation. You can’t invest directly into a stock market index. A fixed index annuity with an income rider can protect your savings from losses and provide you guaranteed lifetime income, but you could incur surrender charges, gains aren’t guaranteed, you’ll pay a fee, and guarantees are backed by the financial strength claims paying ability of the issuing annuity company. If you place assets under management with our firm, we receive advisory fees for assets you place under management and commissions from insurance companies you buy products from. Seminars, radio shows, TV productions, book releases, magazine and book promotions are sponsored, promoted and paid for by Peak Financial Freedom Group, LLC.

Peak Financial Freedom Group LLC and Fiduciary Solutions LLC do not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by an unaffiliated third party, whether link to Peak Financial Freedom Group LLC’s web site or incorporated herein and take no responsibility therefore. All such information is provided solely for the convenience purposes only and all users thereof should be guided accordingly.

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 Registered Investment Advisor (CRD #148118). Insurance products and services are offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA 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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