Do You Know the Two Stages of Money in Retirement?

Asset Accumulation and the Important Shift to Asset Preservation

At Peak Financial Freedom Group, we believe that the thing our clients want more than anything else is retirement security. Fortunately, there are seven rules to live by that will help you achieve them, 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

How to Guarantee You Won’t Outlive Your Nest Egg

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

Most of our clients share a common fear: running out of money in retirement. We tell them that there are at least ten compelling reasons to put 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 reasons.

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An Income Stream You Can’t Outlive

The Holy Grail of Retirement Planning

This 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 for all of them.

Every retiree and pre-retiree worries that they could run out of money during retirement. Most people literally fear there could be a day in their future when their income stops, and they end up poor. During my 35 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 Annuity Myths: Part 2

Eight More Lies People Will Tell You About Fixed Index Annuities with Income Riders

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 – specifically, annuity lies people believe about fixed index annuities with income riders.

This is Part Two of our two-part Annuity Myths series. If you missed Part One, read it here.

Today we’re back with more facts about annuities. Specifically, we’re sharing content to bust common annuity myths 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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Addressing Annuity Myths: Part 1

Ten Lies People Will Tell You About Fixed Index Annuities with Income Riders

The following content is excerpted from the 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 written by John Kirker, fiduciary financial advisor, and reviews ten annuity myths – specifically, annuity lies people believe about fixed index annuities with income riders.

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

If your goals are to:

  1. Protect your money against 100% of all stock market losses.
  2. Guarantee you won’t run out of income for as long as you live.
  3. Receive the same or higher income for as long as you live regardless of stock market volatility or how long you live.
  4. Pay a relatively low total annual fee of approximately 1%.
  5. Have the opportunity to earn a competitive rate of return.
  6. Defer 100% of the taxation on any growth until you take distributions.
  7. Never subject current or previous gains to future stock market losses.
  8. Pass 100% of all remaining funds at your death to your beneficiaries.

One of the only, if not the only, financial instruments you can use to do all of these things is a fixed index annuity with an income rider.

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How Do You Set Up a Fixed Index Annuity? (And What Do You Get Back?)

Understanding More About Fixed Index Annuities with Income Riders

We’ve told you previously about the one key reason why people decide not to purchase a fixed index annuity with an income rider as part of their overall retirement income plan. It’s not because of surrender charges, fees, or lower returns. It’s because the benefits of a fixed index annuity with an income rider simply sound too good to be true. Of course, they’re NOT, and you can read more about that here if you need a refresher.

So, let’s assume you’re ready to move forward with your fixed index annuity with an income rider – where do you start and how, exactly, does it work? We’re here to walk you through it.

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The Next Step to Enhance Your Financial Security: A Second Opinion

When You’re Retired, You Need to Ensure Your Finances Are on Track

With the articles we publish here on our blog, many of which are based on content in our book Momma’s Secret Recipe for Retirement Success, we hope to take you down the path of “financial enlightenment.” We do it because some of the facts and strategies we share may be the complete opposite of what you have been told before. We want you to think differently – and to plan your retirement differently – because you have no other option than to succeed.

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The Retirement Income Myth: Income Riders and Sequence of Return Risk

Income Riders and Sequence of Return Risk

The following is an excerpt from the book, Momma’s Secret Recipe for Retirement Success,” by Dan Ahmad, Jim Files, and Jack Canfield, with contributions from other leading professionals from around the world. This excerpt was written by Dave Lopez, a recognized retirement planning speaker, and writer.

Retirement Income Myth:

You shouldn’t buy an annuity because the stock market is the best place for you to invest for dependable retirement income that will last for as long as you live.
You are retired and want a high level of dependable income from your savings that is guaranteed to last for as long as you live. You research on your own. You talk to your Advisor. You even ask friends and family what to do, because you desperately want to know the truth about how to protect your principal and guarantee you won’t run out of income late in life.

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Should I Hide My Money Under the Mattress or Trust an Insurance Company?

Why No Other Institution Can Match the Safety of the Life Insurance Industry

The following is an excerpt from the book, Momma’s Secret Recipe for Retirement Success,” by Dan Ahmad, Jim Files, and Jack Canfield, with contributions from other leading professionals from around the world. This excerpt was written by Laura Barron, president and co-founder of Barron Financial Group, LLC.

Twenty years ago, Sarah and Mark were 55 years old as they reviewed their plans for retirement. They both had done an excellent job accumulating assets of well over a million dollars. Mark felt confident they could trust the expert advice of their broker at a large firm to continue making money for them in most stock market investments during retirement. Sarah and Mark were very confident the income from their stock market investments, Social Security, and a small pension would allow them to self-insure for long-term care, stay fully invested in the market, and live a very comfortable retirement in a nice neighborhood. They were totally confident they would never run out of money.

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Section Four of Your Comprehensive Written Retirement Income Plan

Getting Your Plan Details in Writing

In previous articles in this series, we have shared the first three steps in creating a written comprehensive retirement income plan. If you haven’t yet read about those steps, we recommend you start here.

In this fourth and final installment, we are sharing the fourth step in this planning process, which is getting your plan details recorded in writing.

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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 $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).

© 2020 Peak Financial Freedom Group