Videos Archives - Peak Financial Freedom Group

How Much Risk Do You Really Want To Take?

We believe the risk is simply a measure of how much you could potentially lose in the next stock market crash. Since 1929 the stock market crashes an average of 40 percent, every 7 years.

So as a retiree, or pre-retiree, are you willing to lose the same 40 percent to try and earn a higher rate of return?

If you have one million dollars saved for retirement, and you suffer a 40 percent loss, you’ve just lost 400,000 dollars and you now only have 600,000 dollars left. Can you afford this type of loss if you’re not able to take the same amount of income you planned from your retirement assets?

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The Reality Of Saving For Retirement

You started saving money decades ago, so you wouldn’t have to worry about money during retirement. You saved, sacrificed, and budgeted carefully so that when you retired, you’d have no more worries about your money. How has this worked out for you?

You’ve saved a lot of money, but you’ve found you worry more about your money now than you ever did before. You find yourself worrying more and more about big stock market losses.

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Why Did You Start Saving Your Money Decades Ago?

The reason you first started saving money was to create a dependable income flow that would replace your paychecks and last for as long as you lived, once you retired. You saved money while you were working so you wouldn’t have to worry about money when you retired. The big problem is, you may have incorrectly been taught you have to invest your assets for growth instead of for dependable, even guaranteed, lifetime income.

Did you invest your money to watch it go up and down on a daily basis?

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Safe Income Withdrawal Rates During Retirement

When you started saving for retirement, you were told you could save up a big pile of money, use the earnings for retirement income, and leave the same exact pile of money to your beneficiaries. This probably won’t happen, because the world and the financial markets have changed, along with Safe Income Withdrawal rates.

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Do You Have a Beautiful Pie Chart Porfolio?

When you see your statements, your portfolio is graphed into a really nice looking pie chart – it’s beautiful. Your advisor said you have so many funds because you’re diversified, in order to minimize risk. You may have been led to believe that mutual funds are way safer than stocks. You have been told your beautiful pie chart will protect your assets from volatility and losses AND you’ll earn a great rate of return. And to top it off, you may have been told you are only paying a total of 1 percent in fees.

But, what if what you’ve been told about your beautiful pie chart portfolio isn’t true? How can you tell if it’s not the truth? It’s simple. If you lost 10, 15, or 20 percent in the last quarter of 2018, you probably have a lot more risk than you want. Your beautiful pie chart may not look so beautiful now, does it?

If you want to learn how to turn your beautiful pie chart into a portfolio designed to reduce your risk during large stock market losses, contact us today.

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Ride Out The Stock Market? Maybe Not As Losses Are Harder To Make Up Than You’ve Been Told.

You have been told to ride out the stock market, to stay invested, and losses will be easy to recover from. But, how much did you lose in 2000-2002 and 2007-2009 when the stock market crashed? Many people lost 50 percent.

Mathematically if you lose 50 percent you need to make a 100 percent recovery just to break even. That means if your one million dollar I-R-A loses 50 percent a 50 percent gain brings you back to only 750,000 dollars, far short of full recovery.

Your 500,000 dollar I-R-A value, after a 50 percent loss, would need a 100 percent gain to recover. That could take a long time if it happens at all.

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Episode 2: Answers to Your Pressing Financial Questions

Join Jim Files and Dan Ahmad as they answer listener questions touching on topics that range from pension management to retirement planning to why it’s so important to have a written plan for your personal wealth management goals. Having a comprehensive financial plan for your future is critical to staying on top of your finances and setting you and your family up for the retirement you deserve.

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Are Your Assets Positioned For Success Or Failure During Retirement?

Stage 1 of Retirement Planning is known as Asset Accumulation. You’re young, still working and investing monthly, had time to make up losses, and focused on maximizing growth, because you don’t need income from your assets.

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Do You Think The Stock Market Will Crash During Your Lifetime?

The stock market has always been volatile, going and going down repeatedly. But what are the actual FACTS about stock market crashes?

Since 1929, the stock market has had 13 bear market crashes that have averaged -39.5 [pronounced “negative 39 point 5”] percent in losses.

While 13 crashes since 1929 doesn’t sound like that many, it means historically, the stock market crashes and loses an average of -39.5 percent every 7 years. Why is all this important? 2 reasons:

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The Stock Market Hasn’t Always Earned 8%, 10%, or 12%

You may have been told to invest in the stock market because you’ll possibly earn 8, 10 and even 12 percent per year. And if you got these returns, everything would turn up roses. But what if you don’t?

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

DISCLOSURE:

All presentation data is provided and intended to be used for general educational purposes only and is not intended as a solicitation for you to buy or sell any financial product.  By contacting Peak Financial Freedom Group, you may be offered additional information regarding the purchase of financial products. None of the material presented is intended to give you, nor are the presenters engaged in giving you, specific tax, investment, real estate, legal, estate, retirement, or financial advice, but rather to serve as an educational platform to deliver information; nor is it intended to show you how the strategies presented can specifically apply to your own tax, investment, estate, financial, or retirement position, but rather to offer an idea of how these principles generally may apply. Consult with a qualified investment, tax, legal, and/or retirement advisor before making any decisions.

Stocks, bonds, or mutual funds have risks and can lose principal, even with a stop loss, and there are no guarantees of gains, as past performance is not indicative of future positive investment results. Hypothetical examples are used to explain concepts and are not indicative of potential results you could receive. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund a new portfolio and/or annuity may have tax consequences, early withdrawal penalties, or other costs and penalties as a result of the sale or liquidation. You can’t invest directly into a stock market index. A fixed index annuity with an income rider can protect your savings from losses and provide you guaranteed lifetime income, but you could incur surrender charges, gains aren’t guaranteed, you’ll pay a fee, and guarantees are backed by the financial strength claims paying ability of the issuing annuity company. If you place assets under management with our firm, we receive advisory fees for assets you place under management and commissions from insurance companies you buy products from. Seminars, radio shows, TV productions, book releases, magazine and book promotions are sponsored, promoted and paid for by Peak Financial Freedom Group, LLC.

Peak Financial Freedom Group LLC and Fiduciary Solutions LLC do not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by an unaffiliated third party, whether link to Peak Financial Freedom Group LLC’s web site or incorporated herein and take no responsibility therefore. All such information is provided solely for the convenience purposes only and all users thereof should be guided accordingly.

2019(1) and 2020(2) Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for and have won the 2019 and 2020 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 Registered Investment Advisor (CRD #148118). Insurance products and services are offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA License #0N14103). 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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