The Secret Ingredient

The best recipes are usually secret because the chef doesn’t want to disclose the ingredients, the chef wants to keep the ingredients secret.

If you don’t have that secret ingredient, your dish will not come out as planned unless you get very lucky. The same thing can be said about your plans for retirement. If you don’t have the proper plan without the proper ingredients, your success may depend on hope and luck, because you will be hoping that you will be lucky. This type of planning, or lack of planning, may create an endless amount of stress, anxiety, and worry, and could potentially lead to a lack of financial success.

During retirement, retirees often want to reduce their overall portfolio risk, manage income taxes, minimize their total fees, increase their income, guarantee their income won’t run out for as long as they live, have the opportunity to earn a competitive rate of return without taking excessive risks, never again suffer large losses like what happened to them in the 2008 Financial Crisis, and leave some money to their beneficiaries. We believe a number of retirees have not been able to accomplish these goals for two (2) main reasons.

1. We believe their lack of success is first due to not receiving the proper information to be able to make the correct financial decisions. They have never before been given all of the data included in our book, Momma’s Secret Recipe For Retirement Success. They never had a “roadmap.” They based a large part of their retirement planning on “old-school” strategies, methodologies, or information that just doesn’t work anymore (like “riding out all stock market losses”). It’s like they are holding an 8-track tape, and they are trying to make it play on their iPhone. It just isn’t going to work that way.

2. We believe the second reason for their lack of success in attaining these goals is they lack one key ingredient to tie their whole plan together. They may have money in the bank which we refer to as Bucket #2, and they may have money in the stock market, which is Bucket #3, but they probably don’t have money in Bucket #1. And Bucket #1 could be the key to retirement success. Bucket #1 is a fixed index annuity with an income rider.

A review of Bucket #1, a fixed index annuity with an income rider, provides:

  • Guarantees you will never run out of income for as long as you live, even if you live past age 100, whether you are single or married.
  • Guarantees your income for life even if your account value goes to $0.
  • Guarantees you will never suffer a principal loss due to stock market losses, because even if the stock market loses -53.8% like it did in the 2008 Financial Crisis, you will lose 0%.
  • The opportunity to earn a competitive rate of return based on a low-risk asset.
  • Protection of current and future gains against stock market losses, you can’t lose what you earned.
  • Income tax-deferred growth of assets until distributions.
  • The passing of all remaining asset to beneficiaries at your death.
  • Low total fees typically averaging around 1%.
  • Income starting immediately or when needed.
  • The opportunity for future income increases that are then guaranteed for life.

If you had a portion of your portfolio invested in an asset that really did provide all of these potential benefits, how would you feel? The remainder of this book exclusively discusses fixed indexed annuities with income riders: the most powerful secret ingredient for your own recipe for retirement success.


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

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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