Episode 13: Tackling Retirees Biggest Fear: Establishing Income in Retirement

Once you retire, that consistent paycheck that you’ve been depending on your whole life suddenly disappears. Now is the time to look towards all of those assets that you’ve saved and turn them into a new kind of income. Finding a way to do this, and ensuring that you’ll have enough income to last your entire retirement is one of the biggest fears that retirees struggle with as they plan to retire. This week on the Peak Financial Freedom Show, Jim and Dan are here to help teach you the basics of generating income in retirement.

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Episode 12: Why Retirees Must Keep Control of Their Finances

When having a financial advisor, it can be tempting to take a back seat with your finances. However, no matter who you have in your corner helping you, it’s still crucial for you to stay in control of your finances and what’s going on with your investments at all times. In this episode of the Peak Financial Freedom Show, Jim and Dan discuss why it’s so important that you’re steering your financial advisor and not the other way around. Nobody knows what’s best for you, your financial reality, and your future dreams as well as you do, so be sure to stay engaged and alert as to what is happening with your money.

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Episode 11: The Key to Getting Ahead in Retirement

The best way to get to where you dream of being is to make a plan of what needs to be done in order for you to get there. Finances are no different. When it comes to getting ahead in retirement, having a comprehensive written plan that details how to get from where you’re at now to the retirement of your dreams can make all the difference. With a written plan in place, you’ll be able to better gauge your success and be more apt to hold yourself responsible, ensuring that you stay on the right path.

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Episode 10: Sometimes the Best Advice is the Hardest to Hear

When it comes to business relationships, people have different kinds of friendships and partnerships, but what does that mean for your relationship with your advisor? Because an advisor is someone you’re depending on to help set yourself up for success in retirement, you want an advisor that you can trust and rely on. In this episode of the Peak Financial Freedom Show, Jim and Dan discuss what role your advisor should play in your life and why you may not always love the financial advice you hear. Then, later in the episode, Jim and Dan show you how creating never-ending income in retirement may not be as outlandish of a dream as you may think.

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Episode 9: De-Worrying Your Finances in Retirement

Managing finances and planning for retirement can take a big mental toll on you. It’s normal to feel stressed, anxious, so scared about your investments, your savings, and whether or not you’ll have enough money to last your entire retirement. This week, Jim and Dan talk about how having a financial advisor you can trust and a smart financial plan in place can help you combat the fears you have about finances and enter retirement with confidence.

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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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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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Roseville, CA 95661


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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.

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2019(1), 2020(2), 2021(3), 2022(4), 2023 (5) and 2024 (6) Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for and have won the 2019, 2020, 2021, 2022, 2023 and 2024 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).

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