I have been an investor for most of my working life because the companies for which I worked did not offer pensions. I had been working with a financial advisor, but had begun to question his portfolio changes and investment recommendations. After hearing one of Peak Financial's radio shows, I decided to take advantage of their portfolio review offer to see if mine would weather the next down market as well as my advisor assured me it would. I met with Dan. After our first meeting it was clear their investment philosophy was different from what I'd known. While I was skeptical about aspects of it, Dan was well prepared for questions with long-term historical market performance data that supported his approach. In our second meeting I learned that my so called conservative portfolio actually was tracking the market's overall performance. While that was great during 2017, in a correction I would lose the same percentage of my assets as the overall market dropped. Since these savings must support my wife and me through retirement, another large market drop would reduce our assets below the levels needed to live reasonably comfortably. Dan and I met two more times before I decided to move my accounts to Peak Financial. Between those meetings I spoke with several of his current clients, all of whom were happy with Peak's services. The transition went smoothly, although major portfolio changes can take time. I have recommended Peak Financial to family and friends. Their staff is very approachable, helpful and are nice people. While Peak uses a non-standard investment approach from what I've always read and been told we needed to do as retirees, they back up their advice using actual market data. They demonstrate most conventional investment wisdom benefits advisors far more than investors. I now believe Peak's more conservative approach is superior. Their portfolios do not suffer significantly during down markets, which is so important for retirees, but they do take advantage of up markets. Isn't that what retirees really want? read more

Over the many years my husband and I have had different financial advisors. We finally found one who was great and we were with her for over 10 years. Sadly, when she retired we were once again on the quest to find another financial advisor. Our very good friends shared they were working with Dan at Peak Financial. We attended the dinner, hosted by Peak Financial. We listened to Dan and Jim share their mission and goals for helping people attain their goal of financial freedom. I have been an RN for 36 years and have an analytical and critical thinking mind. Dan and Jim's talk was logical and compelling. We then met with Dan for a one-on-one meeting. He listened to our needs and wants. At the next meeting he gave us us a few options that were tailored to our goals. He told us the pros and cons of the options and why. Our relationship started in 2016 and we have been with Dan ever since. In 2020 we were able to retire at age 62. Dan, we are so glad we trusted you and have followed your advice. You have never wavered with your passion and your giving heart for others. Your honesty, openness, and most importantly your integrity is very rare. After continuously working since the age of 15 and including a 36 year RN career, I was nervous to "cross the "bridge" to retirement. You "held my hand" with support, understanding and patience. Trusting you, I crossed that bridge and we are loving life. Now everyday is a Saturday. And best yet, when that dreaded day comes and we turn our clocks forward an hour and struggle adjusting back at work, because we trusted you and followed the plan that you designed for us, on that dreaded day, we can sleep in. ;-} We are ever so grateful to you and the Peak Financial family. Debbie and Dean read more

As I approached the retirement years I decided to "interview" some financial planner / investment types to see if I could find one with whom I would be comfortable and with whom I would be on the "same page". Went to several dinners and made appointments with 6 groups - small guys / large groups and so on. Found that most of them were more interested in doing something for themselves (i.e. making a commish) and less interested in doing something for me (helping secure a certain retirement income) ..... the first 5 failed to impress, but not so Peak. I am impressed by their attention, to listening to what I wanted to achieve and then taking the assets I've toiled (so hard) to gather and arranging them in such a manner as to secure a decent income, still be flexible, and remove ALL the worry about money from my shoulders and my future. Peak presented me with a written plan (which none of the others suggested) so I have a measure of where I stand financially now and which I can update every year ... I have recommended Jim and Dan to some friends and at least one has joined the Peak Family. The staff at Peak are very helpful and personable - they represent the company very well. I'm happy to have found Peak and am in my second year as part of the "family", and I'm feeling confident and secure about my financial future, which I (probably, almost certainly) would not have been had I tried to handle this subject myself ..... Thank you Jim ..... (... and you can listen to Jim and Dan on weekend KFBK radio) read more

My wife and I have a few years yet to full retirement. We first met Jim Files and Dan Ahmad from the Peak Financial Freedom Group in Roseville, CA at one one their dinner presentations last November. At that time, my wife and I had assets all over the landscape in an array of unmonitored holdings and instruments. I planned to work in the corporate world until I pretty much fell over unconscious as I didn't understand how to bring all these pieces together without damaging our portfolio altogether. In a few short months since then, Jim and Dan have put together a plan for us (yes, in writing with charts within a beautiful binder) that indicated to me that I can actually retire one day with security and peace of mind. The entire staff treats you with respect and integrity - regardless of the great chasm between their personal wealth and yours. I used to have nightmares about being in school where all of a sudden it was the last week before graduation and learned there were classes I 'blew off' the whole term, big un-started term papers due within days and final tests which I was not prepared for in the least. I never understood these dreams - I was always good and punctual in school and college and did quite well. I now understand them. Since our association with Peak Financial, these dreams have ceased. They were not about school at all - but about being late in my senior year before retirement and not being ready 'to graduate'. Mike K (Fair Oaks, CA) read more

I'm writing this for my parents because they were so excited about their experience at this financial firm! So my parents just retired last year, and were trying to figure out what they were going to do in retirement. They told me they had been receiving something in the mail about this dinner you could go to and find out a bunch of information about retirement and finances and what not. So they ended up going to Ruth's Chris out in Sacramento for one of these presentations, and then went into the office to meet with one of the advisors. They got to enjoy a full dinner at Ruth's Chris, and told me they found out so much stuff they didn't know. (Now they're prepping me for my retirement one day!) Anyway, so they met with Jim at their office out in Roseville, and were so impressed by all of the knowledge and information they received. They met with him probably 5 or 6 times and said every meeting was more insightful than the previous. They ended up moving some things around and are now working with Peak for all their finances. They even told me that they get to go to these client appreciation parties where they win prizes, have dances and get gifts and things!? Holy cow...how young is too young to retire and do something like this? Thank you Peak for being so caring about my parent's well-being and treating them like friends! They are so at ease now! read more

My wife and I were with another major investment advisor for over ten years. We were happy with the growth of our portfolio but decided to get another opinion. Jim Files is really a numbers guy and showed us the real hidden fees attached to our investments. However we were most impressed with the research using algorithms to predict market trends. There are several models of investment strategies to chose from and as long as you are honest with your objectives you can't go wrong. We were particularly concerned with growing our portfolio but at the same time not suffering a huge loss in a major market correction. Jim showed us a plan that limits our losses in a market pullback but continues to grow at a more than suitable rate. While we have only been with Peak for a little over a year we are sure our objectives are being met. We consider our investment knowledge better than average but with our previous advisor we had so many stock and bond positions it was too much to keep track of. We like the sector funds approach that covers all aspects of our economy and it is easy to follow their performance. Jim and his Peak associates are honest and forthright and we don't understand the few negative reviews here. We highly recommend Peak Financial. read more

We became familiar with Peak Financial from an invitation to Ruth Chris' Steakhouse. We had been to many of these dinner presentations before but this one seemed different. The dinner was great and we were intrigued by the information presented so we made an appointment with Dan Ahmad. After several meetings, Dan suggested a plan that included keeping some of our current investments and creating an income stream with other monies that were either not performing or underperforming. I can say that I finally understand how our money will work for us now. Our previous financial advisor was charging us 1.5 % on our portfolio which was only performing at 2%. Yes, the previous financial planner told us about his fees......but when you get that first statement and see in black and white that he is making more money on your money than you are.....well, it's time to shop around. The entire Peak staff is welcoming, friendly and professional. Their client appreciation parties are always festive and fun. We are confident in their advise and comfortable asking them any questions we may have after we've signed up. Looking forward to the next party and our yearly meeting with Dan. Bruce and Debby read more

We are a couple in our early 70s who had concerns about leaving substantial retirement funds in the stock market, since the odds favor the end of the long-running bull market. For us, there is not enough time to recover from another 2008-style event. We started looking for a safer place to invest our money and began studying fixed-index annuities. We attended several presentations by financial planners and met with them. This included Dan Ahmad of Peak Financial Freedom Group. Dan stood out. He is clearly knowledgeable, ethical, and passionate about helping clients reach their financial goals. He presented the options that fit our situation without exerting any pressure on us. After several meetings and independent study, we chose a product that meets our long-term needs and provides peace of mind. We are confident that Dan will be a competent financial advisor as time goes on. We are pleased with our decision to team up with Dan and Jim of Peak Financial Freedom Group. read more

Buyer beware - NOT... We attended their presentation, then made an appointment to meet with Dan. He was very informative and explained in detail the services they offer. We already had a financial planner in the SF Bay area, but while they were good, they were not a pro-active as Peak has been. We were all set with a plan, but after reviewing it with Peak, we were able to improve out plan, and our incoming cash flow by almost 50%. We are now retired, and this made it possible for us to enjoy our remaining years without worry. Having family that were in the insurance and brokerage industry, I am quite familiar with the markets and options. Dan clearly has a good understanding, and proved it with a good written plan. Yes, as with all financial planners, someone pays, either you or the company that provides the products and services. In our case, we paid nothing, and have not are enjoying retirement. read more

After having multiple meetings with financial planners, several of whom focused immediately on selling us insurance products, it was refreshing to discover Peak Financial Freedom Group. Following an informative dinner seminar at which both Dan Amad and Jim Files presented their approach to financial planning for retirees or soon-to-be-retirees based upon historical and scientific daily monitoring of market trends, we set up a series of appointments to meet with Jim Files. Jim guided us, along with the wonderful Peak Financial staff, through the steps of assessing our retirement needs, our available assets and future income flow in order to develope a plan for a secure retirement while minimizing risks we cannot afford to take.We never felt pressure to make decisions and our questions were always openly answered. We would highly recommend considering them to review your financial plans for retirement! read more

We only wish that we were a member of this "family" about 20 years ago. We have no doubt that we would be considerably better off financially. We have never been treated so well by a company in our lives. Jim spent countless hours educating us, reviewing our investments, and correcting past omissions or mistakes. He didn't just expect us to take his word on existing annuities, we called them together multiple times to untangle all the fees and what they really would do for us in our retirement. There is no pressure to invest with them or to change anything that isn't working. Every member of the team welcomes you to the office by name warmly and respectfully and is available to provide instant expertise. There is even a CPA on staff. They have proven to us, without a doubt, even for people that have very limited investment potential, that they have their client's best interest in mind. read more

Shortly after our retirement a year and a half ago, my husband and I "discovered" PEAK Financial Freedom Group. We are so glad we did! Working with Dan Ahmad, we created a plan to insure that we can retire in the lifestyle we enjoy! We met with Dan a number of times over a period of several months. We are confident not only in his advice, but also in his high ethical standards. We worked hard to create a nice nest-egg for our retirement, but neither of us have state or federal pensions to rely on. After setting our retirement plans in place at PEAK, we are comfortable that the plan created with Dan Ahmad, my husband - a real "numbers guy" - and myself will serve us well. Dan Ahmad and Jim Files run a tight ship. We found the entire staff to be professional and client-service oriented. PEAK has both our confidence and our appreciation. - Jim & Margaret read more

Normally I do not attend 'seminars' aimed at self help, financial gains, or planning, however we received an offer for Dinner, at a restaurant we wanted to try, so why not!. Well, the presentation by Dan (and Jim) was right on target. We had just retired into a Senior community, and had used a 'financial planner' in the SF Bay area. Dan showed some very interesting statistics and graphs that were easy to comprehend. We had a great dinner, after which we made an appointment for further investigation into our 'plan'. Meeting with Dan on several followup appoints resulted in a significant change in our cash flow (about 50% increase) from our previous planner. Since then, we have had several follow up meetings to continue our plan. Bottom line, none of this cost us a single penny! We now consider Peak Financial our go to advisors for our family and friends. read more

We were introduced to Peak Financial by a friend. I am usually very skeptical of financial advisors because they always seem to be looking for ways to line their own pockets so I had a lot of questions and put them through their paces. Imagine my surprise to find Dan and Jim on a mission to "pay it forward" and help people retire with lifetime income. They addressed all my concerns and gave us incredible advice that has grown our nest egg rather quickly. My wife is a teacher and Dan is very well versed in the California State Teacher's Retirement System. His advice was on point as far as navigating those somewhat complicated waters too. Dan and Jim and their incredible staff (Sarah, Kendall, et al.) treat you like family and most importantly, advise you like family. Give them a call, you'll be glad you did! read more

Me and my wife are retiring in a few years. We have been to a few seminars and have also met with other financial planners to discuss retirement. I have always handled the financial planning myself so I was skeptical on letting someone else handle things. We went to one of the financial planning dinners that were offered by Peak Financial. I was very impressed with the tools they had that could tell us exactly what we would be getting in retirement. We meet with Jim Files a couple of times to go over all aspects of retirement planning. He went into detail and came up with a plan that outlined everything to make sure we have a secure retirement. The retirement plan that he put together gives us the peace of mind we were looking for. I recommend Jim Files and Peak Financial and the services that they offer. read more

Peak Financial Freedom Group in Roseville invited us to a dinner at Ruth's Chris, which we gladly attended. We scheduled a meeting with Dan Ahmad after the dinner event as we will be retiring soon and wanted to learn about investment options. Dan was personable at this introductory meeting and is knowledgeable about investments and annuities . We followed up with 3 more complimentary meetings, whereupon we made a few changes in our investments. Dan suggested options and was not overly aggressive in his sales pitch. We felt comfortable with the changes in our accounts, expecting a good return during our retirement. They hold events several times a year to thank their clients; we have attended a few and they were quite fun! The entire Peak staff has been a pleasure with whom to work. read more

We have recommended PFFG to all our family and friends. We retired a year ago, this was also when we first connected with PFFG and have had zero regrets. With the current market volatility we are extremally happy we discovered PFFG when we did. Dan and the entire PFFG team have been exceptional. We just had our 1 year review and could not be more pleased. We are living our retirement life to its fullest; We travel at will, we have done some house remodeling and we were able to fund several family celebrations with no money worries. Our funds are holding strong and on track for at least another 20+ years, with enough income for us to live very comfortable. Most important is we will not be any financial burden to our children. read more

I just had a meeting with Dan today and it was great. Through his help and guidance, I was able to develop a plan to reduce market risk to 5% by putting more of my investments to cash and putting that into an account that will give me 2.2% interest; plus a decision on taking social security now and using that to pay off the rest of my house in 4 years. I am 64 and would highly recommend meeting with Dan or anyone else at Peak Financial for pre-retirement or in retirement planning. We met for and hour, I got great advice, and it was all free. Dan is committed to serving his community. They have easily understood tools of analysis that can help make the right decision for you. Roger I read more

My Dad and I originally contacted Dan in 2020 to discuss various retirement and investment options. From the very beginning Dan was extremely professional and informative. He spent a lot of time answering all of our questions and explaining how Peak Financial could help our family. He put together a comprehensive plan to help us achieve our financial goals, but never pressured us and insisted that we take our time and decide for ourselves. We are so happy we decided to put our trust and faith in Dan and Peak Financial. Dan and his amazing staff have been great to work with and we highly recommend them! We not only consider Dan our financial advisor, but a good friend! read more