Videos Archives - Peak Financial Freedom Group

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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5 Financial Attitude Adjustments To Make For Retirement Success

For decades you’ve been a dedicated saver for retirement, seen crashes and rallies, gotten a lot of advice, and have tried to do all the right things with your money, but you still worry. The biggest problem isn’t your lack of understanding; it’s that you don’t have an actual written plan.

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9 Questions You Must Be Able to Answer For a Secure Retirement

Here are 9 basic questions you must be able to answer for a safe and secure retirement, so you can stop worrying about your money:

#1 – How much money can you safely take out of your assets for income?

#2– How long will your money last?

#3– Does your portfolio guarantee you won’t run out of income for as long as you live?

#4– How can you protect your assets against volatility and large losses?

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7 Steps For a Secure Retirement

Here are 7 Steps to follow for a Secure Retirement that will help you to stop worrying about your money:

#1 – Put your entire plan in writing, so you can feel free to spend your money – without guilt or fear

#2 – Understand the true risk you are taking right now and avoid all large market losses.

#3 – Eliminate your fear of running out of money by creating dependable monthly income “Paychecks” that will last for as long as you live.

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7 Rules To Live by For Retirement Security

If you’re retired and need a roadmap for financial success try our “7 Rules To Live By For Retirement Security”:

*Number 1 – Avoid Large Losses – never go through another -50% stock market crash like 2008 again.

*Number 2 – Minimize the total fees you pay, both direct and hidden fees.

*Number 3 – Significantly reduce daily volatility.

*Number 4 – Earn a reasonable rate of return based on the amount of risk you’re willing to take, not by taking excessive risks to get the highest rate of return that rarely materialize.

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


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), 2020(2), and 2021(3), Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for and have won the 2019, 2020, and 2021 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 Registered Investment Advisor (CRD #148118). Insurance products and services are offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA 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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