At age 19, when I first started in the financial industry, I learned immediately that the vast majority of people, regardless of income levels, regardless of education, regardless of age, did not understand money or income taxes. Because of their lack of understanding, they made many mistakes. I found that I was blessed with a gift to make very complicated subjects understandable to the people I met with. Transferring my knowledge to them gave them power and provided me with a tremendous amount of satisfaction. My success in the tax and financial planning industry is due to my philosophy to act first and foremost as an educator and trusted advisor. I love seeing the look in people’s eyes when they finally understand something about finances they may have been struggling with for years. Like Jim, I feel truly honored to be in a position to provide education, recommendations, and solutions for retirees and soon-to-be-retirees that help them increase their income, never run out of money for as long as they live, avoid volatility and losses, and pass on assets to their loved ones.
To put it simply, we want to make a difference. We want to make a big difference. We want to put the power back in the hands of retirees and take it away from Wall Street. We have seen it time and time again, retirees with low incomes do not feel independent and for the most part, are not able to live their dreams. On the other hand, retirees with high incomes, that are guaranteed for as long as they live, feel far more independent and powerful and have far fewer regrets and far more memories. What we have to say will most likely sound different, possibly even opposite of what other Financial Advisors have recommended to you. We are going to tell you to use your assets to create the maximum amount of Guaranteed Lifetime Income, and then you decide if you want to spend the money, give some of the money away, and/or save some of the money. We have been extremely fortunate to provide financial services to a large number of wonderful clients. It makes us feel so good about our careers to see how we have impacted peoples’ lives positively. We are always amazed and humbled by the gratitude many people show us for helping them. One of the most phenomenal comments we love to hear from people we have helped is “We could not have gotten here without your help.” In our business, nothing could ever mean more or provide more affirmation that what we do helps people. We are thankful we had the opportunity to help them make some of the most difficult retirement, financial, and tax decisions they will face in their lives. We value and protect the tremendous responsibility people have placed in our hands to help them attain financial security. We mandate that anyone who is a part of our company places the needs of retirees and soon-to-be-retirees first.”
“I was born in Roseville, California, at what I call the “Old Roseville Hospital.” My children were born in the “New Roseville Hospital.” I grew up with two sisters who both still live in Northern California. When I was young my focus was always on school, sports, and riding my bike. For many summers into my teens, I was lucky enough to spend almost the entire summer with my relatives in Iowa, where my Mom was born.
I owe a great deal of my success as a Financial Advisor to my Mom because she started teaching me mathematics just before I turned three (3) years old. Before I was five (5) years old I knew all my addition, subtraction, multiplication, and division tables down cold. I have always excelled in math which is a tremendous benefit to our clients. My Dad always told me to focus on my education so I could help people. Through high school, I did exactly as he wished but also focused on sports. I completed all advanced college prep courses and at the same time playing football, baseball, basketball, and track, earning my class’s designation of “Most Valuable Athlete.”
I received an academic and athletic scholarship and started my college career at Pepperdine University. I realized my heart was still in Northern California and returned to graduate first from Sierra Community College and then from California State University at Sacramento. My Dad’s words still rang in my head after all those years so I continued my education and became a Certified Financial Planner, a former Enrolled Agent with the Internal Revenue Service from 1987-2016, an Accredited Tax Advisor, and also completed the prestigious “Masters” course becoming a “Fellow of the Institute” of the Estate & Wealth Strategies Institute at Michigan State University. At the time I attended, I was one of only a few Financial Advisors from across the nation that was invited to participate in this program that was designed at that time to operate as a “Post Doctorate Program” for very experienced and successful wealth and estate planners. I was personally invited into the program by one of the creators, and one of my mentors, Bob Esperti, who provided wealth and estate planning services to Dick Cheney.
As a sophomore in college, I worked in the tax and financial planning industry. I was fortunate to learn at a young age that providing financial advice brought me extreme occupational and personal satisfaction. I learned that people of all ages, of all occupations, and at every income level were in desperate need of sound financial guidance. I have always loved helping people solve such problems by making efficient decisions. I am committed to providing conservative retirement, income tax, and financial planning advice to my clients. I have achieved a level of success in the tax and financial planning industry that few planners have been able to reach simply because I act as an educator and trusted advisor.
While I am proud of my professional accomplishments, I am even prouder of the incredible family I have. My wife, Elaine, and I have been married since 1993 and have always worked together; we make a great team. I unofficially consider the length of our relationship at 50+ years because of also working together, which should count as double! Elaine has managed most of our businesses and makes sure that everything important runs properly. Elaine is directly responsible for a large portion of the success our firms have experienced over the years. We have two incredible daughters, Lexi and Tori. Lexi is a recent graduate of the University of California at Santa Cruz, and is now studying law at the Arizona State University! She loves school, her friends, music, reading, taking “Selfies”, her dog Malcolm, but most of all her Chug (the dog that is half Pug and half Chihuahua) named “Bean” who just showed up on our doorstep with about 1,000 fleas and created 10,000 smiles. Tori is in her last year at the University of Washington! Tori loves school, her friends, ice skating, music, baking, reading, and “Selfies,”. I am truly a lucky man to have such an awesome family. I love them with all my heart.”
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.
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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 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 #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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