A Roadmap to Retirement Success

If you’re a retiree who worries a lot about your money, implementing a Roadmap to Retirement might be just what you need. Having a financial plan, in writing, works like the GPS navigation in your car, making sure you get where you want to go and don’t get lost in retirement.

A written retirement income plan will show you how much income you’ll receive from each source each year, what’s guaranteed and what’s not guaranteed. It will show you the amount of risk in your portfolio and the fees you’re currently paying and then the reduced risk and lower fees you’ll pay going forward.

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Annuity Myths (Lies) People Will Tell You: Part 3

People will tell you myths about fixed index annuities with income riders because they don’t really understand how they work, or because they want to sell you something else.

Myth #11 – Your income will never increase. NOT TRUE. Some plans offer guaranteed lifetime income with the potential for annual increases that get locked in for life.

Myth #12- Other traditional Wall Street type assets will guarantee your principal against losses, provide guaranteed lifetime income, and provide the opportunity for growth. NOT TRUE. Fixed index annuities with income riders, provide these benefits, stocks, bonds and mutual funds don’t.

Myth #13- Annuity companies aren’t safe, they fail all the time and people lose their money. NOT TRUE. No one has ever lost any of their guaranteed principal from an insurance company failing. 

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Annuity Myths (Lies) People Will Tell You: Part 2


People will tell you myths about fixed index annuities with income riders because they don’t really understand how they work, or because they want to sell you something else. We recently provided the first 5 myths about fixed index annuities, here are some more:

Myth #6- You can’t get any growth. NOT TRUE. When your index goes up you have the opportunity to earn competitive returns for a low-risk asset, and when your index goes down you lose NOTHING.

Myth #7- You can lose principal in a stock market crash. NOT TRUE. Your principal and past earnings are 100 percent protected from all stock market losses. If the market crashes 50 percent, you lose 0 percent.

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Annuity Myths (Lies) People Will Tell You: Part 1

People will tell you myths about fixed index annuities with income riders, either because they don’t really understand how they work, or they want to sell you something else.

Myth #1-You will pay very high fees. NOT TRUE. The total average annual cost for a fixed index annuity with an income rider is 1.0 percent, in writing, fully disclosed.

Myth #2-There’s a big commission that comes from your money to pay the agent. NOT TRUE. No commissions are deducted from your money- the annuity company pays the agent, you don’t.

Myth #3 – You can’t access your money for a long time. NOT TRUE. In some plans, you can access income immediately, and in most plans, you can access funds after 12 months.

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Put Your Mutual Funds On The Couch – It’s Time To Analyze Them

If you’re like most people, you don’t understand your portfolio and each of the individual mutual funds you own. A fund analysis can help.

A fund analysis, basically an audit, will determine if you have too many funds and reveal important information about each one. It will show you the actual, direct expenses of each fund, as well as the hidden costs you never see. You’ll know how much risk you have in each fund, as well as how much each fund has lost in the past.

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Wall Street Math Doesn’t Add Up

How familiar are you with Wall Street Math? The stock market lost -50 percent during the 2000-2002 Technology Bubble and lost -50 percent again during the 2007-2009 Financial Crisis, crushing American portfolios and dreams.

In 2008, the US economy lost an estimated 22 Trillion dollars! You lost so much because you didn’t know how much risk you were taking and don’t understand Wall Street Math.

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The 3 Bucket Approach To Investing For Retirement

When it comes to retirement, most retirees want less risk, smaller losses, to earn a reasonable rate of return, liquidity, and income that is guaranteed for life.

That’s why we created our 3 Bucket Approach, using multiple conservative asset strategies.

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How Does “Indexing” Work In A Fixed Index Annuity?

Wouldn’t you love to make money when the stock market goes up but never lose anything when the stock market goes down? You can!

A fixed index annuity bases your annual gains on a portion of an index you choose, such as the S&P 500 Index, without suffering any losses in the years your index goes down. If the stock market crashes you get zero percent, so you’re completely protected against market losses.

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Your 401K Plan: Take Control at Any Age 59 ½ – Or Earlier

Are you comfortable with the risk, volatility, and potential losses in your 401K plan? We have found most people have a large portion of their retirement savings are dependent on their 401k plans, yet they don’t understand or even like their 401K. They feel stuck.

If you’re working and 59 ½ or older, the IRS allows you to enact an “In-Service Transfer” of your current 401K plan to your IRA of choice, and you won’t pay any income taxes on the transfer. An “In-Service Transfer” can be very beneficial for a 401k plan, if you are trying to reduce risk, fees, or establish a plan now that will provide you guaranteed lifetime income when you retire.

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How To Turn Your Portfolio Into Dependable Monthly Lifetime Paychecks

The number 1 fear almost every retiree has is running out of money during retirement, however, there is a way that you can set yourself up for dependable income in retirement. If yours is not guaranteed to be paid to you for as long as you live, you’ll continue to worry day-after-day, year-after-year.

You can eliminate your fear of running out of money by creating income in retirement that’s guaranteed to be paid to you for as long as you live, regardless of stock market volatility, losses, or longevity.

Stocks can’t provide you a high level of income guaranteed for as long as you live, neither can mutual funds, bonds, bank accounts, or CDs.

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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.

Past performance is no indication of future performance and such information cannot be relied upon regarding future potential gains. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining market. Advisors and agents may only conduct business with residents of the states or jurisdictions in which they are properly registered or licensed and not all of the securities, products and services mentioned are available in every state or jurisdiction.

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. Please consult legal or tax professionals for specific information regarding your individual situation. Peak Financial does not offer tax or legal advice. 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), 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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