Join Us For An Educational Dinner Event

Claim your seat and join Peak Financial At Piatti on Thursday February 8th. You and a guest are invited to this educational workshop. Attendance is by invitation only, first time attendees age 55+, no financial professionals. Seating is limited!

Two Ways To Register:
To reserve your seats, call or text keyword PIATTI to 916-842-3372 (24/7).  Seating does fill up quickly, call or text now to secure your reservation. Please, arrive at 5:45 p.m. Doors will close at 6:00 p.m.

  • IS YOUR 401K & IRA IN THE RIGHT PLACE? We’ll discuss the 7 RULES TO LIVE BY FOR RETIREMENT SECURITY.
  • TAXES IN RETIREMENT: The tax implications of our latest administration and why you should act NOW!
  • REPLACING YOUR PAYCHECKS: Create dependable lifetime income from your assets – kind of like a PENSION.
  • RISING INFLATION: Learn to protect your investments and income from rising INFLATION.
  • RETIREMENT INCOME: Will your nest-egg be enough, and will it last, to maintain your current lifestyle in retirement?
  • SOCIAL SECURITY: Important changes and strategies to help maximize benefits for you and your spouse.
  • MITIGATING RISK: The BIG mistake most Americans are making with their retirement accounts… are you one of them?
  • LONG-TERM CARE: We’ll discuss solutions to increasing costs and skyrocketing premiums.
  • WRITTEN RETIREMENT INCOME PLAN: Why everything about your money needs to be in writing to succeed.

If you own an IRA, 401(k), 403(b), 457, TSP, retirement account, managed portfolio, brokerage account, or just have money in the bank, you don’t want to miss this educational dinner event!

  • This event is for those whom are Retired or Pre-Retired who have saved $500,000.00 or more for retirement. Please, no guests under the age of 55. Limit 2 reservations per invitation.

Location: Piatti, Sacremento

Driving Directions: 571 Pavilions Lane, Sacramento, CA 95825

Retirees Want Seven (7) Main Things From Their Money

With 10,000+ Americans retiring every day, there have been countless studies completed detailing what retirees want from their money.

There are many opinions and differing answers depending on the study and the participants. We have reviewed many of these studies, with some focusing on risk, some on investing, others on generating income, several on longevity, and many on the fears and concerns retirees have about their money in general. While all of the studies differed, we noticed a common core, basic similarities, in the results of the studies we reviewed. We found retirees want seven (7) main things from their money:

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Questions You Must Be Able To Answer To Have A Successful Retirement

Most retirees have not gotten answers to their most pressing questions about retirement from their current brokers, advisors, employers, or own research.

If you can’t answer basic questions about your retirement, how can you expect to succeed, feel secure, and feel confident you are making the right decisions about your money? You can’t feel good about it. If you can’t answer basic questions about your money, it means your plans for retirement are based on hope and luck. It means you are hoping you will be lucky, and things will work out. Your broker or advisor might seem to know a lot about your portfolio and managing the assets because that is what they mainly talk to you about. Your broker or advisor may say you are diversified, state they have great money managers, let you know you are positioned for good rates of return, tell you if you want less risk they can put a larger percentage of your assets in bonds, and will often confirm you can expect an 8%-10% average annual rate of return. However, when you ask the important questions about your money, they don’t have any answers. Moreover, your broker or advisor has never put your plan in writing. This means your current broker or advisor is comfortable with you basing your plans for retirement on hope and luck. Are you? In our 50+ years of experience, we have found there is certain data (see diagram on following page) you must have to build a secure plan and to be able to stop worrying about your money:

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What is a ‘Safe’ Rate of Retirement Income Withdrawal?

You need a safe rate of retirement income withdrawal to protect your financial security throughout retirement.

Plan Ahead So You Won’t Run Out of Money in Your Golden Years

What is a safe rate of retirement income withdrawal? What does the phrase “safe withdrawal rate” mean to you? Most people would answer, “the amount of income you can withdraw from your assets without the fear of running out of income during your lifetime.” This seems cut and dried. But you have to look at what the word “safe” means to different people.

“Safe” to some people might actually mean “safer than something else,” such as you stating that you are “driving safe” because you are going 80 miles per hour while everyone else on the road is driving 90 miles per hour, but the posted speed limit is 65 miles per hour. And then, “safe” to other people might mean the chance of anything negative happening is 0%. In planning for retirement, safe better mean safe, something you can count on for sure. Safe better not mean “kind of safe.”

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Do You Know One Thing Possibly WORSE Than a Stock Market Loss?

High investment fees can be absolutely devastating to your financial security – learn why now.

It’s Time for an Analysis of Assets to Beneficiaries 

In past articles, we shared everything you need to know about the very first step in creating a comprehensive written retirement income plan: the Retirement Income Projection. Next, we discussed the second step in your planning, the Income Tax Analysis. If you didn’t get a chance to read those articles yet, you can start here.

In this final installment of this series, we give you details about the third step in your comprehensive written retirement income planning: an analysis of assets to beneficiaries. Having a comprehensive written retirement income plan you can rely on is incredibly important to your financial health in retirement, so let’s take a look at this final step.

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Understanding The Two Stages of Money in Retirement

Did you know there are two different stages of money in retirement? Learn about both to better prepare for the future.

Making the Shift from Asset Allocation to Asset Preservation

At Peak Financial Freedom Group, we believe that the thing our clients want more than anything else is retirement security. Fortunately, we believe in seven rules to live by that will help you achieve it, and we’re sharing the first lesson here with you today. (If you want all seven rules right now, we detail all of them in our book, Momma’s Secret Recipe for Retirement Success.)

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10 Reasons to Use a Fixed Index Annuity

These ten fixed index annuity benefits can give you peace of mind – and a secure retirement income, too.

A Strategy to Guarantee You Won’t Outlive Your Retirement Savings

This content is excerpted from our book, Momma’s Secret Recipe for Retirement Success,” by Dan Ahmad, Jim Files, Jack Canfield, and others. The contribution below is from Robert M. Ryerson, CFP, CITRMS, CLTC.

Most of our clients share a common fear: running out of money in retirement. We often tell them that there are at least ten compelling reasons to consider putting some of their more serious money—money needed to produce guaranteed retirement income for life—into a fixed-income annuity with an income rider. Below, we’ll go in-depth on each of these fixed index annuity benefits.

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The Income Stream You Cannot Outlive

Would you like to create a retirement income stream that can never run out?

Discover the Holy Grail of Retirement Planning

The following content is excerpted from our book, Momma’s Secret Recipe for Retirement Success,” by Dan Ahmad, Jim Files, and Jack Canfield. The book is also full of valuable contributions from other leading professionals from around the world, including the below from Robert M. Ryerson, CFP, CITRMS, CLTC. He tells a tale of three very different investors, with the very same problem… and the safe and sound solution available to all of them.

It is common for retirees and pre-retirees to worry that they could run out of money during retirement. Some people literally fear there could be a day in their future when their income stops, and they end up poor. During my 35-plus years as a financial planner, the most common and pressing questions clients ask me are:

  • How can I retire and stay retired?
  • How can I guarantee I will avoid running out of money during retirement?

People know there are many factors that can cause their assets to run out and their income to stop before they die, such as large stock market losses or a chronic illness—they just don’t know how to protect themselves against such catastrophic events. The good news is that there are solutions available today for all of these risks and potential problems.

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Addressing Common Annuity Myths: Part 2

Believing annuity myths and lies can keep you from exploring advantageous financial opportunities.

Learn the Truth to Optimize Your Retirement Income Plan

The following educational content is excerpted from our book, Momma’s Secret Recipe for Retirement Success,” by Dan Ahmad, Jim Files, and Jack Canfield, with valuable contributions from other leading professionals from around the world. This excerpt was contributed by John Kirker, fiduciary financial advisor, and reviews eight more annuity myths and lies – specifically, annuity lies people believe about fixed index annuities with income riders.

This is Part Two of our two-part Annuity Myths series.

Today we’re back with more facts about annuities. Specifically, we’re sharing content to bust common annuity myths and lies that can damage your long-term finances if you believe them. Remember, it’s always important to educate yourself, do your own research, and speak with a financial professional you trust when you’re trying to determine whether a specific financial product is right for you. Many people find more peace of mind and financial security with a fixed index annuity with an income rider, so learn more about their benefits below.

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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), 2021(3), 2022(4) and 2023 (5) Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for and have won the 2019, 2020, 2021, 2022 and 2023 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 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).

© 2023 Peak Financial Freedom Group