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About Peak Financial Freedom Group2018-11-02T01:41:03+00:00

WE WANT YOU TO TAKE YOUR TIME

Does it make sense to hand over your life-savings to someone after having just one or two meetings with them? We don’t think so!

Does it make sense to hand over your life’s savings to someone without getting your plan, all the details, in writing? We don’t think so!

It takes time and a great deal of thought to create a financial plan that meets all of your goals and objectives. It’s impossible to build your entire financial future securely if you, or your advisor, rushes through the process, and if you don’t have a plan in writing. If you are like most people, you are confused and worried about your money. Going through an actual planning process, taking your time, will increase your understanding and help to eliminate every worry you have about your money.

What you have is what you have. The retirement savings you have now must last your entire lifetime. You can’t afford to make a mistake, or rush your decision, or not have a plan. That’s why we at Peak Financial Freedom Group put everything we have into creating your comprehensive written retirement income plan, because your retirement deserves nothing less than our best. And we put your entire plan in writing.

Co-founders Jim Files & Dan Ahmad are best-selling authors with Larry King, host their radio show 50 Shades of Money on three stations, are working on a new anticipated best-selling book with Jack Canfield who is the co-creator of the Chicken Soup For The Soul book series, & have made presentations to tens of thousands of individuals, families, & professionals on how to help them make the best financial decisions.

Based on their 50 years of experience in the financial industry, it is their passion, their mission, and their total focus to help Retirees and Pre-Retirees in their community attain Financial Freedom by protecting and growing their assets to create dependable income that will last for as long as they live and avoiding excessive and unnecessary risks. They plan to change the financial industry by teaching other advisor to do the same.

REQUEST YOUR PERSONAL COMPLIMENTARY FINANCIAL REVIEW

MEET OUR FOUNDERS

50+ YEARS OF EXPERIENCE | Best-Selling Authors With Larry King | Hosts Of 3 Radio Shows

Dan Ahmad
President

Dan is a Co-Founder of Peak Financial Freedom Group and serves as the President. He is a Certified Financial Planner, Accredited Tax Advisor, and Enrolled Agent with the internal Revenue Service. He is licensed for annuities, insurance, and is an Investment Advisor Representative. Dan is a “Fellow of the Institute” of the Estate & Wealth Strategies Institute at Michigan State University, successfully completing a three (3) year post-doctorate study program.

How Dan Feels About the Business

“At Peak Financial Freedom Group we design personalized Retirement Income Roadmaps that will make you feel comfortable that you can start using the money you saved for retirement and you don’t have to worry about market volatility or your income running out. Peak Financial Freedom Group will help you create this type of plan for you and your family. This is what we do. We are experts at this. This is what we want to share with you. We help Retirees and Soon-To-Be-Retirees create plans that provide income for as long as you live, and as long as your spouse lives if married, protect your principal against current and future market volatility and losses, help you avoid the negative impact of low current interest rates, provide you an opportunity to participate in a portion of market gains, and pass all remaining assets to your beneficiaries. And we put your entire plan in writing.

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 less 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.”

Meet Dan Ahmad Personally

“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 summers 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 played football, baseball, basketball, and track, earning my classes 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, an Enrolled Agent with the Internal Revenue Service, 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 together for 30 years and married for 25 of them. We have always worked together, and 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 21 this year and is in her third year of college at the University of California at Santa Cruz this year! She loves school, her friends, music, reading, taking Selfies, and most of all her Chug (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 19 and started her first year at the University of Washington last Fall! Tori loves school, her friends, ice skating, music, baking, reading, “Selfies,” and most of all her Borador (dog that is half Border Collie half Labrador) named “Missy” who was rescued from an animal shelter after being abandoned in a remote field in Fresno, California. Malcom and Bean are our newest dogs to the family. I am truly a lucky man to have such an awesome family. I love them with all my heart.”

Sincerely – Dan Ahmad

Jim Files
CEO

Jim is a Co-Founder of Peak Financial Freedom Group and serves as the Chief Executive Officer. He is an Investment Advisor Representative, and licensed for annuities and insurance. Jim has tremendous business experience having successfully operated multiple companies in diversified businesses. He is an expert in Mergers and Acquisitions and successfully completed an IPO with one of his previous companies.

How Jim Feels About the Business

“If you are a Retiree or Soon-To-Be-Retiree with questions, concerns, or fears about what you should do to create guaranteed lifetime income from your assets, we can help you. We will find out about you and your spouse, discuss your current financial position, ask questions about what you are trying to achieve, educate you on multiple subjects and alternatives, create a customized written comprehensive retirement plan, estimate income tax scenarios that meet your goals, establish the best ways to pass your assets on to your beneficiaries, implement your plan, do all of the paperwork, and meet with you in the future to review the progress of your plan. This level of service, commitment, and dedication to your success is industry leading and what retirees and soon-to-be-retirees need today to succeed financially. We will do everything we can to ensure your financial security throughout your retirement.

I have founded and successfully ran many businesses and led one of the companies I started to a public offering. I have always had a love and a knack for business. But in my professional life I have never enjoyed and have never felt so pleased as when I am able to help a retired couple or individual make decisions that dramatically enhance their retirement lifestyle. For almost two (2) decades I’ve been working side-by-side with my partner, Dan Ahmad, providing retirement, investment and economic advice to individuals and families throughout the United States. I’m grateful I have the opportunity to assist our clients in making positive decisions to enhance their retirement position. I believe this is my true calling in my business career. I have learned that my working passion is to help people solve their problems; I find great reward in helping people deal with their issues, needs, and uncertainty, and to gain a clear perspective of their financial position, so that they have a chance to attain their goals. By listening and then educating, I believe we can provide tremendous benefits to retirees.

Dan and I have known each other and have been working together for what will soon be 19 years. We are business partners but most of all, we are best friends. We feel extremely lucky to have the opportunity to work together as a Team, with the same level of integrity, honesty, and morals, without ego, all with the same goal of helping individuals and families maximize their financial success. We know many people in this world are not happy doing what they are doing every day, and are not happy with the people they work with, so we feel blessed to be in the position we are in. By combining our two personalities, skill sets, beliefs, and motivation, we can help individuals and families make sound financial decisions regarding their plans for retirement. We trust each other implicitly and know that each of us will do everything that needs to be done to provide effective solutions and service to our clients. We have seen so many people work so hard to save so much money while they were working so that they would have additional income during retirement. And we have seen the vast majority of these people not use their assets for income during retirement. We have met with retirees who have been retired for 5, 10, 15 years that have assets that have been left untouched the entire time. What is mind-boggling is the majority of these people could have really used the income from their assets to improve their lifestyle. They have continued to sacrifice during the entire time they have been retired. They could have enjoyed retirement at a significantly higher level. Well, we want to put an end to all of that nonsense. The thought of retirees not using their own money for what they want and need it for just makes us both extremely uncomfortable.”

Meet Jim Files Personally

“I was born in Marysville, California, and lived in Lincoln, California, for the first 18 years of my life before college. I grew up with three brothers and a sister, all of whom live in Lincoln, Roseville and Granite Bay. My parents still live in our family home in Lincoln and my wife and I have been residents of Granite Bay, CA. for 30 years. If I wasn’t playing sports or going to school while growing up, I spent my time working in my parent’s restaurants or on my grandparent’s cattle ranch. I graduated high school with a number of scholarship opportunities but decided I wanted to enjoy college as an academic student and not pursue sports. After graduating with a degree in Business Administration, I started a computer distribution business. Within a few years my company was the number one distributor of products which I offered to businesses and I was fortunate enough to sell the company at a sizeable profit. Then I was approached by a brilliant Harvard Business School Graduate and founder of several successful technology companies to become a senior VP for his start-up company.

After four years I started my own technology company and teamed up with another brilliant partner who had a Ph.D. in Mathematics and Applied Science from Stanford University and was the economic advisor for the Prime Minister of Canada for many years. We worked very hard and eventually led our company to a successful IPO. I continued to manage the public company for a number of years until one day I decided I’d had enough of bits, bytes and software code to last two lifetimes and decided to sell my equity. I changed gears and became a Mergers and Acquisitions Consultant helping business owners make the best decisions with their companies and their money. During this period I met my current partner and “another” brilliant man, Dan Ahmad, and have been business partners for almost two (2) decades. I acknowledge my business partners because of the balance, intelligence, friendship, advice, and wisdom they brought to my life and their contribution to my personal successes. I am proud of my accomplishments, which were all attained through a great deal of hard work, focus, and discipline…and as I have always taught my children – doing the right thing at all times regardless of the cost.

I am deeply committed and devoted to my family. I have done everything in my business life to try and provide them with happiness, joy, and security. I am very fortunate to have met my wife, Tami, thirty-eight years ago and have been happily married for the past thirty-six years. Tami is a beautiful woman, an intelligent person, my best friend, and one of the most devoted mothers in the world. Tami also has dedicated her career to helping people. She is an interpreter for the deaf and teaches fitness classes for seniors. For her faith, loyalty, and love, I am tremendously grateful. The only feeling that compares to the love I have for Tami is the love I have for my children—Cody, my son, Martine my daughter-in-law, their oldest daughter Colette (who is going to be three this year!), their youngest daughter Elise (just born last year!) and Kyley, my beautiful daughter. Cody graduated from college with a Finance Degree, and continued his higher education at Cornell University Johnson Graduate School of Management, obtained his Certified Financial Planning Degree (CFP), and works for one of the world’s largest consulting firms. Cody is very athletic and enjoys waterskiing, snowboarding, weight lifting, and surfing. Kyley has a degree in Communications and Psychology. She has worked in the financial service industry and currently is heading up a team at a fast growing technology company. Kyley loves cooking, working out, and most importantly, shopping with her mother. I am blessed to have a wonderful family and to have led such a prosperous life. My varied business career provides me the opportunity to use my knowledge and experience to help clients make prudent financial decisions.”

Sincerely – Jim Files

MEET THE TEAM

Elaine Ahmad
Director of Client Services

916-791-7063 916-692-2562

Elaine has devoted her working life to help retirees and pre-retirees get through the paperwork jungle of positioning their assets correctly to help them meet their goals. With almost 30 years of experience in the administration side of financial services, she is one of the most knowledgeable people in our industry. With both girls at college, she texts and talks to them on the phone every day. She is still “Mom” every minute to the three (3) dogs at home. Elaine loves to travel and exercise.

Fred Coia
Enrolled Agent/Accountant


Having spent over 20 years in CPA firms in Rhode Island and California prior to his role at Peak Financial Freedom Group, Fred has started his own Tax and accounting practice. He helps many of our clientele on a personal level with their tax needs.

Fred loves working with clients who become part of the Peak family and has mastered the skill of putting people at ease when they come in frustrated over their tax situations. Born and raised in Providence, Rhode Island, he received his Bachelor of Science in Business Administration at Bryant University in Smithfield, Rhode Island. He moved to Orangevale, California with his wife Eileen and their two daughters Victoria and Samara in April of 2004. He became an Enrolled Agent in 2008. In his spare time, Fred loves the New York Yankees, spending time with his family, cookouts, Friday night football games at Casa Roble High School where his youngest daughter Samara is a cheer leader, and vacations in Disneyland!

Keri Deleersnyder
Director of Client Services


Keri works one on one with the clients to support them with their servicing and funding needs. She enjoys working on a personal level with each and every client to ensure their trust and happiness with Peak Financial Freedom Group.

As a recent graduate of San Diego State, Keri re-located back to her home town of El Dorado Hills to search for a career. She began working for Peak Financial in 2016 and knew that she had found her long-term work home. Peak’s staff and clients have quickly become a family to her and she couldn’t be happier. In Keri’s spare time she enjoys working out, cycling, running, cooking and wine tasting. She also frequents her local dog park with her Bloodhound Presley and spends her weekends with Family and friends.

Sarah Fortriede
Director of Marketing


Having spent almost a decade in the customer service world of retail prior to her role at Peak Financial Freedom Group, Sarah has mastered the art of communication, understanding, and connecting with all of our clientele on a personal level. Sarah loves working with clients who become part of the Peak family and abides by…

the old saying “treat others as you would want to be treated”! Born and raised in the San Fernando Valley of Southern California, she received her Bachelor of Arts in Literature from UC Santa Cruz before settling down in Sacramento with her husband. They welcomed a baby boy this past Spring! In her spare time, Sarah loves to write, scrapbook, arts and crafts, play disc golf, enjoy the park with her son and 2 dogs, and take trips to visit friends and family!

License: CA Accident, Health and Life Insurance License # 0L22766

Randy Krogh
Director of Business Development


Randy started with Peak Financial in 2015 and moved his family across the country from Atlanta, GA for the opportunity to work with Dan and Jim. He had worked with them on various projects over the past 7 years, and recognized their expertise in assisting clients in their transition to and properly planning for retirement.

Randy is passionate about helping, educating, and empowering people with correct and transparent financial information so they can make the correct decisions with their money. His personal goals and mission aligned perfectly with Peak and this is why he chose to join Dan, Jim and the Peak Financial Team.

Peak is fortunate to have Randy as he came to the company with over 25 years of experience in the financial services industry. He has held multiple executive positions and has extensive experience in successfully starting, growing, operating, managing and selling businesses. He is an important and integral part of the team as he works with Jim and Dan in the development of each customized plan for the clients.

Randy’s proudest accomplishments are being married to his wife, Carrie for 29 years and helping her to raise their 4 children. He loves sports and music. In his younger years, he sang professionally for 17 years, landed a recording contract and traveled and toured with 3 of his siblings.

Adam Hardin
Chief Compliance Officer


Adam was raised alongside four brothers in a suburb south of Atlanta, Georgia. When he was not immersed playing baseball and soccer, he could most often be found creating science experiments or developing the survival skills he learned through the Boy Scouts of America program. He has always been fascinated by the solar system and nature.

Over the last 15 years, Adam has worked in a variety of investment management and financial planning roles. He started his early career working at MAG Mutual Financial Services, which provided comprehensive financial planning and wealth management services exclusively to physicians and their medical practices. He later went to work for a boutique financial planning firm catering to high net worth and affluent individuals. He simultaneously started a property and casualty insurance agency to address unmet liability exposures for his clients that he ran for several years. During that time he met Dan Ahmad and was able to work with him on several special projects.

He kept in touch with Dan and was recently invited to join the Peak Financial team. His primary focus is serving retirees and pre-retirees of all professions in the development of strategic plans for retirement. His motto is “plan with a purpose.” As a financial advisor, Adam takes a holistic approach to understand his clients’ goals and concerns, and customizes his recommendations to best fit each client’s needs. He is passionate about helping people develop better wealth management and retirement planning strategies. Adam’s drive for excellence, compassion, and warm personality has led him to move his beautiful wife, Gabriel, and four wonderful children, Olivia, Carson, Bennett, and Wells across the county from Atlanta to become part of the “Peak Family” in Roseville, California. He is an avid outdoorsman and loves everything sports related. Adam is a two-time cancer survivor who also speaks Russian, having served a two year mission in Samara, Russia. Adam is an active member of his church, community, and the Boy Scouts of America. Adam holds a bachelors degree from Troy University, active Series 24, 7, 63, & 65 securities licenses along with insurance agent and insurance counselor licenses for Life, Accident & Sickness, Property & Casualty, and Variable Annuities.

Kendall Wagner
Director of Client Services


Kendall was raised in the small town of Wheatland, California. She recently graduated from Chico State with a Bachelor’s degree in Business Marketing. Her favorite pastimes include brunching with family/friends and spending time with her Chihuahuas, Bean and Cheddar.