fbpx

Episode 13: Let’s Talk About the Stock Market

In this episode of The Peak Financial Freedom Show, Jim and Dan take time to focus on the nuances of investing in the stock market. They discuss topics like how much of your money should be invested in the stock markets, how you can better control your investments in the markets, and why they would never tell their clients to “ride out the stock market.” They also explain the processes that they put in place to mitigate the risk in your portfolio so that you never have to feel unsafe financially as you save and invest for your future.

Continue reading

Episode 12: Your Advisor Is Not Your Friend

When it comes to building a portfolio and a retirement plan that works best for you, it’s crucial to have an advisor who is both professional and competent. While it’s important to have a good relationship with your advisor, there’s a distinct difference that Jim and Dan highlight in this episode, you want your advisor to be friendly, but you don’t want them to be your friend. Your money is yours, and you want to manage it in a way that makes it work for you and for your family, not in a way that works for your advisor.

Continue reading

Episode 11: Tackling the Single Greatest Retirement Fear

When it comes to retirement funds, the greatest worry is whether or not you’ll outlive your savings. Too often, people spend their whole lives working and saving for retirement, only to reach retirement and end up spending none of their money out of fear of running out. However, retirement should be about relaxing and enjoying life, not about stressing and fear.

Continue reading

Episode 10: Are You in Control of Your Retirement?

When it comes to planning for retirement, there’s a lot of information and options available to you that it may get a little overwhelming. However, for a successful retirement, it’s important that you’re in front of, and in control of, your retirement rather than the other way around. For example, did you know that you can move your 401K funds into an IRA, tax-free if you’re 59.5 years old or over? Not many people do.

Continue reading

Episode 9: Financial Planning for the Worry-Prone

It’s completely understandable to worry about the state of your finances, especially as you get closer and closer to retirement. In this episode’s Case Study, Dan and Jim discuss the best financial plan for chronic worrier, Gary. For them, the best way to combat financial stress and fears is to minimize the risk in your portfolio and then create a lifetime income projection so that you know exactly what to expect for your financial future. This works by simplifying your financial life into one page so that you can see exactly where your income sources will come from for the duration of your retirement; whether from savings, your assets, revenue, the government, or your investments.

Continue reading

Episode 8: The Making of a Comprehensive Written Retirement Income Plan

If you’ve been following the show, then you’ve often heard about how important a comprehensive written retirement income plan is, but what is it exactly? In this episode of The Peak Financial Freedom Show, Dan and Jim discuss the details of what makes a comprehensive written retirement income plan, why it’s so important, and how it will help give you the retirement that you deserve.

Continue reading

Episode 7: Can You Enjoy Retirement and Leave an Inheritance?

In this latest episode of The Peak Financial Freedom Show, Jim and Dan use a hypothetical client to showcase the benefits of sitting down with an advisor to minimize the risk in your portfolio and create a financial plan that works for your unique needs. Specifically, they touch on how one might go about organizing their assets and savings in order to use their assets as income during retirement so that they are able to both live the life they desire and deserve in retirement and leave an inheritance to their children or grandchildren.

Continue reading

Episode 6: Achieving Financial Freedom

There is a strong correlation between the risk in your portfolio and achieving financial freedom; the less risk you have, the more freedom you gain. In this episode of The Peak Financial Freedom Show, Jim and Dan discuss the difference between having a portfolio that looks pretty on paper and having one that is actually working for you, it all comes down to the amount of risk that you’re taking on and how much income flow you have. By taking the time to sit down with an advisor to write out your assets, your income revenues, and your investments in a simple format, you’ll be able to see and better understand exactly what your money is going to do for you for the rest of your life.

Continue reading

Episode 5: Independence in Retirement

In this latest episode of The Peak Financial Freedom Show, Jim and Dan look into a case study of a widowed woman on the precipice of retirement and discuss the unique challenges that come with entering retirement single. Among those challenges, they explain why investing in stocks is actually much safer than investing in bonds. In order to reduce the amount of risk in your portfolio, you want to be sure that more of your money is in assets and stocks than it is in bonds. Another way to minimize your risk, is to be sure that you have a well-thought-out plan which details the ways in which you will make and manage your income once in retirement.

Continue reading

Episode 4: Risk and the Bear Market

Portfolio stress tests! Consolidating assets! Analyzing risk! Shifting money to bonds! In this episode of Peak Financial Freedom Show, Dan and Jim discuss different ways that you can bring planning into your portfolio to minimize risk, especially when you’re in retirement. To do so, they look back at all of the bear markets that have happened since 1929 – how often they’ve happened, how big the losses were, the best ways one could have protected themselves from the market drop, and how another bear market may affect your portfolio.

Continue reading

  • 1
  • 2
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