Events for November 2025 › Ruth’s Chris Steakhouse ›

Name: Dinner Seminar – Ruth’s Chris
Start: 2025-11-20T18:00:00-08:00
End: 2025-11-20T18:00:00-08:00
Location: Ruth’s Chris Steakhouse

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Your Questions That Need to be Answered

1 / 23

True or false, the single most important part of your retirement plan is your budget…

True

False

2 / 23

True or false, the vast majority of financial professionals, people who invest your money, provide comprehensive written retirement income plans…

True

False

3 / 23

True or false, you can get the Peak Financial Worry-Free Retirement Roadmap from many sources…

True

False

4 / 23

True or false, if you have a $10,000 monthly retirement budget, you will have a successful retirement plan if you can create $10,000 of net-after tax income per month…

True

False

5 / 23

True or false, if you’re retired/pre-retired, risk is measured by the amount of growth you want to receive…

True

False

6 / 23

True or false, during retirement, focusing on the highest returns will provide you the most success…

True

False

7 / 23

True or false, the biggest cause of financial anxiety for retirees and pre-retirees is not knowing where their retirement income will come from each month and not understanding how they will replace their paychecks.

True

False

8 / 23

True or false, it is always better to defer taking your Social Security benefits until age 70 so you get the highest annual income benefit…

True

False

9 / 23

True or false, in retirement you’ll lose 50% of your gross income to income taxes and other deductions, just like when you were working…

True

False

False.

It is true when you were working you probably netted 50% after all your paycheck deductions. This is because when you were working you paid into Social Security, into a retirement plan, into a 401(k), 403(b), 457, and had miscellaneous other deductions. If your gross income was $240,000 per year, which is $20,000 per month, your bet income after al deductions was probably around $10,000. Almost every consumer thinks they will lose -50% of their gross income when they retire unless they do everything they can to REDUCE their income. We think the biggest mistake you can make is to try and minimize your income. We think you should try and maximize your income. Why? Because your average rate for combined federal and state income taxes will most likely be far lower than you thought. Here’s an easy clear-cut hypothetical example:

Let’s say your retired, bring in $60,000 of joint Social Security income and take out $180,000 per year from your IRA, providing the same $240,000 of gross as when you were working. Assuming you live in California, the high income tax state, you would not be projected to lose -50% of your gross income, you would be projected to only lose -18% of your gross income for federal and state income taxes, allowing you to keep 82% of your gross income as net income. *This calculation was done by a former Enrolled Agent with the IRS for 30 years, a current Accredited Tax Advisor®, a current Certified Financial Planner®, and who acts as a Fiduciary for every one of his advisory clients.

So, if you make the $240,000 in retirement, you will net 82%, which is $196,308 per year which is $16,359 per month after paying all your federal and state income taxes. How does this happen? In retirement, you will no longer be paying into Social Security, no longer be paying into retirement, no longer paying into 401(k), 403(b), 457, and will only be paying federal and state income taxes out of your gross income. In this example, the federal and state income taxes are estimated to be 18% of your total income, leaving you with 82% of net after-tax income. If we build a plan for you, we will include an income tax-analysis to show you what your estimated average federal and state income tax rate will be and what your estimated net monthly after-tax income will be.

Correct!

It is true when you were working you probably netted 50% after all your paycheck deductions. This is because when you were working you paid into Social Security, into a retirement plan, into a 401(k), 403(b), 457, and had miscellaneous other deductions. If your gross income was $240,000 per year, which is $20,000 per month, your bet income after al deductions was probably around $10,000. Almost every consumer thinks they will lose -50% of their gross income when they retire unless they do everything they can to REDUCE their income. We think the biggest mistake you can make is to try and minimize your income. We think you should try and maximize your income. Why? Because your average rate for combined federal and state income taxes will most likely be far lower than you thought. Here’s an easy clear-cut hypothetical example:

Let’s say your retired, bring in $60,000 of joint Social Security income and take out $180,000 per year from your IRA, providing the same $240,000 of gross as when you were working. Assuming you live in California, the high income tax state, you would not be projected to lose -50% of your gross income, you would be projected to only lose -18% of your gross income for federal and state income taxes, allowing you to keep 82% of your gross income as net income. *This calculation was done by a former Enrolled Agent with the IRS for 30 years, a current Accredited Tax Advisor®, a current Certified Financial Planner®, and who acts as a Fiduciary for every one of his advisory clients.

So, if you make the $240,000 in retirement, you will net 82%, which is $196,308 per year which is $16,359 per month after paying all your federal and state income taxes. How does this happen? In retirement, you will no longer be paying into Social Security, no longer be paying into retirement, no longer paying into 401(k), 403(b), 457, and will only be paying federal and state income taxes out of your gross income. In this example, the federal and state income taxes are estimated to be 18% of your total income, leaving you with 82% of net after-tax income. If we build a plan for you, we will include an income tax-analysis to show you what your estimated average federal and state income tax rate will be and what your estimated net monthly after-tax income will be.

10 / 23

True or false, a diversified portfolio made up of 60% stock funds and 40% bond funds which is commonly referred to as “the” retirement portfolio, will allow you to minimize losses and create a high level of income that is guaranteed for life…

True

False

11 / 23

True or false, if your goal is to minimize the total taxes that will be paid on your IRA assets, it is always better to defer taking IRA distributions until you are forced to at age 73 with IRA Required Minimum Distributions…

True

False

12 / 23

True or false, it is always better to convert IRA accounts to Roth IRA accounts to guarantee less total taxes will be paid on your IRA assets…

True

False

13 / 23

True or false, as long as your income will never run out for as long as you live, and as long as you are in an acceptable total income tax bracket, you should always take out as much income as possible from your assets…

True

False

14 / 23

True or false, if your financial professional tells you that you are “paying about 1% in fees” you can fully trust and believe that you are paying 1% in fees…

True

False

15 / 23

True or false, if you create a plan that is focused on you and your spouse to protect your assets against large losses and creates a high level of income guaranteed for as long as you both live, you won’t be able to leave money to your beneficiaries with a high level of confidence…

True

False

16 / 23

True or false, it’s OK to give your financial professional your money to invest before you receive a written plan…

True

False

17 / 23

True or false, if you’ve been working with your current financial professional for years and years it’s OK to trust the verbal promises and assurances they have given you, you don’t need anything in writing aout your plans for retirement…

True

False

18 / 23

True or false, if you’ve been working with your current financial professional for years and years it’s OK to trust the verbal promises and assurances they have given you, you don’t need anything in writing aout your plans for retirement…

True

False

19 / 23

True or false, when Peak Financial gives hands you your draft customized comprehensive retirement income plan, you are 100% committed to becoming their client and you own them planning fees…

True

False

20 / 23

True or false, if a financial professional has helped you accumulate assets for retirement, or if you have done this yourself, the financial professional or you can easily create a retirement income plan that will reduce the chance of a big loss and will guarantee your income will be paid to you for as long as you live…

True

False

21 / 23

True or false, as you’ve been told countless times, you should always eliminate emotions from make financial decisions…

True

False

22 / 23

True or false, after your Peak Financial Worry-Free Retirement Roadmap is completed, you will feel completely different about your money…

True

False

23 / 23

True or false, if you are trying to make changes to transition your money into retirement, but you, or your financial professional, keeps doing the same things with your money you’ve done for the last 30 years, you can expect different results…

True

False

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0 events 10 0 events, 10	1 event 11 1 event, 11 6:00 pm Dinner Seminar – Ruth’s Chris November 11 @ 6:00 pm Dinner Seminar – Ruth’s Chris Call Peak Financial Freedom Group to Register for a Dinner Seminar! (916) 791-7063 Free	0 events 12 0 events, 12	1 event 13 1 event, 13 6:00 pm Dinner Seminar – Ruth’s Chris November 13 @ 6:00 pm Dinner Seminar – Ruth’s Chris Call Peak Financial Freedom Group to Register for a Dinner Seminar! (916) 791-7063 Free	0 events 14 0 events, 14	0 events 15 0 events, 15	0 events 16 0 events, 16
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Ruth's Chris Steakhouse

Dinner Seminar – Ruth’s Chris

Dinner Seminar – Ruth’s Chris

Dinner Seminar – Ruth’s Chris

Peak Financial Freedom Group
2520 Douglas Boulevard, Suite 110

Roseville, CA 95661

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Dinner Seminar – Ruth’s Chris

Dinner Seminar – Ruth’s Chris

Dinner Seminar – Ruth’s Chris

Peak Financial Freedom Group2520 Douglas Boulevard, Suite 110 Roseville, CA 95661

Terms of Use

Privacy Policy

Peak Financial Freedom Group
2520 Douglas Boulevard, Suite 110

Roseville, CA 95661