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Lifestyle Tips to Consider for Retirement

You’ve worked the majority of your life, and deserve to have many blissful years ahead. With a proper plan and execution strategy in place, you should be on track to accomplish all of your retirement goals and dreams. If it’s been a little while since your last retirement review, then CLICK to request your complimentary, no-obligation meeting.

Here are 3, quick and easy lifestyle tips to consider for your life in retirement.

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Make the Most of Your 401(k)

We all know that a 401(k) is one of the most important retirement planning tools we have: The potential tax benefits and power of compound interest can make it a great savings and investment tool for anyone who practices financial discipline and contributes regularly. But your contributions aren’t the only things to consider when figuring out how to make the most of your 401(k).

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4 Phases in Retirement

Everyone talks a lot about how to prepare for retirement financially, but there is less focus on how to adjust your mindset in retirement and manage expectations. You might not be happy every single day in retirement, but that doesn’t mean your retirement won’t be happy. Transitioning into retirement is no small task, and research shows that the way people feel about their retirements follows a u-shaped curve; first people are quite positive, then not as much, and then are positive again. It seems that there are 4 phases in retirement.

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Put Your Money to Work

You’ve worked for your money, and retirement is the time to have your money work for you. But what does this mean? Basically, your goal in retirement should be to turn what you’ve saved into retirement income. Many Americans are worried about running out of money since pensions are rare and there are reasons why you can’t rely solely on Social Security in retirement. But if you’ve saved a substantial nest egg of 1 million dollars, you can use these strategies to help make your savings last and put your money to work.

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A Plan for a Better IRS Experience

“I love dealing with the IRS,” said no one, ever. But, President Trump has signed a bill that will reform the IRS in an effort to make it more taxpayer-friendly. You’ll still have to pay your taxes, and rule breakers will still be punished, but hopefully, the average person will have a better experience with the agency when it comes to customer service, identity theft protection, and payment. The Taxpayer First Act is aimed at creating a plan for a better IRS experience.

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Avoid Ageism in Retirement

Despite the fact that America has an aging population, there is much evidence of ageism around us. The way we perceive older adults can limit their roles in society and a pervasive negative view of aging can have a psychological impact on us. Sometimes ageism can be seen in a seemingly benign birthday card depicting age as something to laugh at or feel bad about, but other times it takes the form of workplace discrimination. And, it’s not just younger people who can be ageist, it can be people 50 and over as well. That’s why it’s important to be mindful of how you can avoid ageism in retirement.

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Don’t forget about Your Old 401(k)s

old 401k

Do you have multiple 401(k)s? If you left your money in a former employer’s 401(k), you may want to reconsider as you near retirement. According to the Bureau of Labor Statics, Baby Boomers have held an average of 12 jobs by the time they turn 50. When you leave a job, the money you contribute to your 401(k) is still yours, and you may also be able to keep your employer’s contributions depending on your vesting schedule. There are a few options for your old 401(k)s: You can cash out of the plan, leave the money in the plan, rollover the money into your current employer’s plan, or roll it over to an IRA. All of these options have different advantages, so don’t forget about your old 401(k)s as you approach retirement.

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Small Steps and Giant Leaps Toward Retirement

July 20th marks the 50th anniversary of the moon landing. In the middle of summer vacation, Baby Boomers gathered around their TVs to watch Neil Armstrong take one small step for man and one giant leap for mankind. This milestone in human history marked many Americans’ upbringings and identities in a significant way. It was a testament to the power of human ingenuity and perseverance, and the ability of America to reach its loftiest goals. Putting a man on the moon probably seemed impossible to many when President Kennedy promised we would in 1961, but it happened. Right now, your retirement goals might seem out of reach, but with perseverance and a good plan, they can be attained.

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Financial Lessons from a Founding Father

July 12th marks the 215th anniversary of Alexander Hamilton’s death. As the first secretary of the treasury for America, he created the first national bank, consolidated the new country’s war debts, and established credit the country could count on. You could say he was America’s, Chief Financial Officer. He was also a self-taught immigrant who started off with no wealth and ended up on the $10 bill. Thanks to his killer, Aaron Burr, Hamilton never reached retirement. But we can learn important financial lessons from the Founding Father who built our country’s financial system.

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Beware of Sequence of Returns Risk

Times of market volatility are never pleasant, but they pose a particular threat to you as you near and enter retirement. The state of the market just before you retire can impact your returns throughout your entire retirement. This is because once someone takes withdrawals from a fund’s underlying investments, they expose themselves to sequence of returns risk.

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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