Total Fees – You Are Probably Paying Lot More Than 1% Per Year

Do you really know the total fees you’re paying to have your assets managed? 1 percent is the typical advisor fee. An additional 1 percent is the typical money manager fee to manage your assets.

According to the New York Times, 1.23 percent is an average mutual fund expense…. you can find it listed in your prospectus. Add to this a 1.44 percent average mutual fund trading cost, which is, according to Forbes, a hidden cost at the mutual fund level, incurred when each mutual fund manager buys and sells stocks and/or bonds in the portfolio.

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Have You Had A Risk Stress Test Performed On Your Portfolio?

You can’t suffer a big loss to your savings now you’re retired or nearing retirement, you might not make it up, and you could run out of money. Most retirees we meet with are taking far more risk than they thought and could lose twenty to fifty percent of their savings. Even if you have a diversified portfolio, you could lose a lot, so you should have a risk stress test on your portfolio. You need to know how much risk you’re taking right now before you suffer a big loss because then it would be too late.

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The Most Important Thing About Retirement Success

The single most important way to achieve retirement success is to have an actual written plan. You can’t buy a home, get a mortgage, buy a car, open a bank account, get health insurance, or even get married without having all the details in writing. So why would you let your advisor invest 1 million dollars or more of your money without everything in writing?

It’s because your advisor said don’t worry, everything will be OK. Why would you take someone’s word for this? You can’t know for certain everything will be OK unless you have an actual comprehensive written plan. Your statements don’t count.

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7 Rules for Business Owners to Have a Successful Retirement

Business owners work day and night for a long time to build their business and make it successful. The business generated you a considerable amount of income every year, but, at some point, you know you’ll make an “Exit.” So the big question is how to turn the sales proceeds from your business and savings into dependable retirement monthly paychecks that will last for as long as you live so you don’t have to worry about running out of money? All you have to do is follow 7 Simple Rules.

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Have You Ever Had Your Entire Portfolio Analyzed?

No matter how much you’ve saved for retirement, whether on your own or with an advisor, you can never be completely confident of your finances without having your entire portfolio analyzed. You may have stocks, mutual funds, maybe some bonds, and perhaps you’ve even been told you’re diversified and don’t have too many risks. 

But, do you know for certain, 100 percent, that your portfolio will be okay if the stock market crashes? Unless you’ve had your entire portfolio analyzed, the answer is most likely no. The best way for you to be confident of your portfolio is to place it under a microscope and have a total portfolio audit. A total portfolio audit will:

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Warning Signs About Your Money

Most retirees who have saved a significant amount of money for retirement rely on a financial professional to help them make the best decisions with their money. What your advisor does, and says, will tell you if you should feel confident with his/her advice. Here are some telltale warning signs:

#1- You don’t have a comprehensive written retirement income plan, nothing is in writing.

#2- You are told to “Ride It Out” or “Hang In There” when you are suffering through large losses.

#3- Your advisor acts like your dad, he/she acts like your money is their money. 

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Are You Blind to Your Own Possible Financial Future?

Have you been led to believe that everything is great in your finances? Maybe you trust your advisor who says everything is okay. Perhaps you believe the news that everything is okay because the stock market keeps hitting all-time highs? Maybe you’re an optimist and just believe things will work out somehow and nothing bad will happen?

Here is your wake-up call: You can’t plan and handle your retirement finances this way. You’re putting your finances, and your family’s finances in jeopardy by hoping that you’ll get lucky.

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Your Advisor is Not Your Friend

One of the biggest mistakes one can make is thinking of your financial advisor as your friend, instead of looking at it as a business relationship to provide you with sound financial advice.

A friend would actually listen to you when you say you want to take less risk.

A friend wouldn’t put in writing how much risk you’re really taking.

A friend wouldn’t put in writing, how much you could lose in the next stock market crash.

A friend wouldn’t tell you not to worry and ride out all stock market losses.

A friend wouldn’t put all the fees you pay in writing, even the hidden ones.

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Are You Having to Handle Money All By Yourself?

Whether you are divorced, widowed, or a lifelong single person, planning your retirement finances and having to handle money all by yourself can be extremely challenging when you only have yourself to rely on. You only have one Social Security, maybe a pension, and the assets you as an individual have saved.

Establishing a written plan is crucial to ensuring your future financial success. A solid written financial plan should include the following:

  • An Income Plan detailing how much income you will receive each year and where each income source comes from so that you can be confident knowing your income will not run out.
  • A Risk Analysis stating how much risk you’re taking currently and how you plan on eliminating or managing any possible large losses to your savings. 
  • A Fee Analysis showing how much you’re paying in fees, both direct and hidden, as well as a way to reduce them.

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How To Reduce Your Fears About Your Money & Retirement

If you’re retired or near retirement, we can help reduce your fears about your money and retirement.

We can create a written retirement income plan for you that will serve as a roadmap, like navigation in your car, to make sure you don’t get lost during retirement.

We can help eliminate your fear of running out of money by helping you create dependable income guaranteed for life.

We can help you protect and grow your assets without taking excessive risks, by using multiple, conservative asset strategies, making sure you don’t lose what you’ve worked so hard for.

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Peak Financial Freedom Group
2520 Douglas Boulevard, Suite 110
Roseville, CA 95661


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 security or financial product. The content is developed from sources believed to be providing accurate information. 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. Some of this material was developed and produced by Peak Financial to provide information on a topic that may be of interest. 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.

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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

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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