Peak Financial Freedom Group

What Peak Financial Freedom Group does

Peak Financial Freedom Group is a privately held financial advisory firm headquartered in Roseville, California, that provides retirement income planning and wealth management services to retirees and pre-retirees in Northern California. The firm is led by two principals, Dan Ahmad and Jim Files, who together hold over 50 years of combined industry experience, CFP designations, and seven consecutive Five Star Wealth Manager Awards (2019-2025). The firm serves a B2C base of "thousands of individuals and couples" whose households hold a minimum of $500,000 in investible assets, targeting concerns about market volatility, longevity risk, Social Security optimization, and tax-efficient withdrawal sequencing.

The firm's core offering is "The Peak Plan for Financial Freedom," delivered through a documented 16-step "Worry-Free Retirement Roadmap" that produces a comprehensive written retirement income plan covering up to 30 years. Supporting products and sub-brands include the 2nd Opinion Package (a no-cost consultation and review deliverable for qualified retirees), Peak Financial Freedom University (a structured educational platform at mypeakfin.com), the Peak Financial Freedom Show (a weekly TV and radio program airing on KOVR/CBS, KXTV/ABC, KXTL/Fox 40, KFBK, and KSTE), and four branded books used as lead magnets. The firm does not disclose any proprietary technology platform, AI tooling, or software product; the practice is fundamentally people-driven.

Peak Financial Freedom Group generates revenue through three streams. Investment advisory fees are collected on assets under management placed with Fiduciary Solutions LLC, a California Registered Investment Advisor, on a recurring AUM basis. Insurance commissions flow to PFFG Insurance Agency LLC (CA Insurance License #0N14013) when clients purchase annuity and insurance products. The firm also delivers comprehensive written retirement income plans, in some cases bundled with the no-cost 2nd Opinion Package for qualified prospects. Go-to-market is sales-led and event-driven, relying on a heavy broadcast media presence, dinner seminars, the Millionaire Retirement Webinar, and a content-rich blog to drive inbound leads that convert through scheduled in-person and virtual (Zoom) consultations.

Name

Peak Financial Freedom Group

Legal name

Peak Financial Freedom Group, LLC

Website

https://peakfinancialfreedomgroup.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Peak Financial Freedom Group is a Roseville, California-based financial advisory firm providing retirement income planning, wealth management, and insurance services to retirees and pre-retirees with $500,000+ in investible assets across Northern California.

Ownership category

akta.pro rank

Product category

Retirement Financial Planning

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Retirement income planning
• Wealth management services
• Financial advisory services
• Investment management
• Retirement planning

Headquarters

HQ city

Roseville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Investment Advisory Fees: Investment advisory services are offered through Fiduciary Solutions LLC, a California Registered Investment Advisor. Clients who place assets under management pay an advisory fee to Fiduciary Solutions LLC.
2. Insurance Commissions: Insurance products and services are offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA Insurance License #0N14013). The firm earns commissions from insurance companies when clients purchase annuity products.
3. Financial Planning Fees: Peak Financial Freedom Group provides comprehensive written retirement income plans. The disclosure states that a comprehensive written retirement income plan may be provided to those who complete the entire process as part of the 2nd Opinion Package for qualified retirees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Peak Financial Freedom Group designs and delivers customized retirement income plans and investment management services for retirees and pre-retirees. The firm's primary deliverable is The Peak Plan for Financial Freedom, built through a documented 16-step Worry-Free Retirement Roadmap, accompanied by investment advisory services delivered through Fiduciary Solutions LLC and insurance/annuity products delivered through PFFG Insurance Agency LLC.

Product overview

Peak Financial Freedom Group is a financial advisory firm offering a unified suite of retirement planning services rather than a software platform. The core offering is The Peak Plan for Financial Freedom, supplemented by the Peak Financial Worry-Free Retirement Roadmap (a 16-step planning methodology), Peak Financial Freedom University (educational platform), and The Peak Financial Freedom Show (TV/radio media brand). The company also publishes books including 'Momma's Secret Recipe', 'The Big Question', '100 Shades of Financial Freedom', and 'The Golden Promise'. The 2nd Opinion Package provides add-on consulting services for qualified retirees. All services focus on retirement income planning, risk management, and wealth preservation for retirees and pre-retirees.

Differentiator

Problem solved

Functional benefit

Products and services

• The Peak Plan for Financial Freedom A customized retirement income plan delivered to retirees and pre-retirees, designed to protect investments from market instability and provide portfolio growth, with two stated goals: preventing large market losses like 2008 and ensuring dependable, predictable income for life.
• Peak Financial Worry-Free Retirement Roadmap A documented 16-step retirement planning process covering initial consultation, data collection, risk tolerance analysis, income tax control, Social Security optimization, and comprehensive written retirement income plan creation.
• 2nd Opinion Package A no-cost initial service for qualified retirees and soon-to-be-retirees with at least $500,000 in investible assets, providing free consultations, retirement income plan analysis, risk analysis, and fee analysis, with a comprehensive written plan delivered upon completion of the process.
• Investment Advisory Services Ongoing investment management and advisory services offered through Fiduciary Solutions LLC, a California Registered Investment Advisor (CRD # 1620449 for Jim Files; CRD # 1491561 for Dan Ahmad), with advisory fees charged on assets under management.
• Insurance and Annuity Products Insurance products and annuities offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA Insurance License #0N14013), with both Dan Ahmad and Jim Files licensed as insurance producers; commissions are paid from the insurance company to PFFG Insurance Agency LLC.
• Peak Financial Freedom Group Books Published retirement planning books including 'Momma's Secret Recipe For Retirement Success', 'The Big Question', '100 Shades of Financial Freedom', and 'The Golden Promise', offering retirement planning guidance and financial education.

Quantifiable outcome

• Less than 1% of financial firms build comprehensive written retirement income plans
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Fiduciary Solutions LLCcoreOthersInvestment advisory services are offered through Fiduciary Solutions LLC, a California Registered Investment Advisor. Peak Financial Freedom Group places client assets under management with Fiduciary Solutions LLC, which charges advisory fees. Jim Files is licensed as an investment adviser representative with Fiduciary Solutions LLC (CRD # 1620449).
• PFFG Insurance Agency LLCcoreOthersInsurance products and services are offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA Insurance License #0N14013). When clients purchase annuities through Peak Financial, commissions are paid from the insurance company to PFFG Insurance Agency LLC. Both Dan Ahmad and Jim Files are licensed insurance producers with this entity.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Edelman Financial Engines: One of the largest independent RIAs in the U.S., offering retirement income planning and wealth management to mass-affluent and HNW individuals. Overlaps directly with Peak on retirement income planning, RIA delivery model, and 401(k)/IRA rollover clients, but at vastly greater scale and a national footprint.
• Fisher Investments: Large private money manager with significant retirement-income and high-net-worth advisory focus, including aggressive media buying. Comparable on retirement income planning and HNW target market, but operates nationally with a much larger AUM base and institutional media presence.
• Carson Group: RIA platform serving independent advisors and their retirement/wealth clients with practice management, technology, and investment solutions. Comparable retirement-income and financial-planning offering, particularly for advisors working with HNW retirees, but at firm-level scale and via a partner-advisor network.
• Cetera Financial Group: Network of independent broker-dealer and RIA firms focused on retirement and wealth planning for individuals. Comparable retirement-income advisory and insurance/annuity product mix, but with national scale, multiple custodian relationships, and shared technology platform.
• Mariner Wealth Advisors: National RIA serving HNW individuals with comprehensive financial planning, retirement, tax, and estate services. Closely comparable in offering (comprehensive written plans, fiduciary model, retirement focus) and customer profile, but with a much broader geographic footprint and deeper advisor bench.
• Focus Financial Partners: Consolidator of independent RIAs and wealth management firms serving HNW clients, including retirement-income specialists. Relevant as a potential acquirer and as a competitive backdrop for firms like Peak; portfolio firms offer near-identical services to Peak's HNW retirees.

Direct peers

• AE Wealth Management: RIA focused on financial planning and retirement income strategies for HNW and mass-affluent individuals, with a similar advisor-affiliated model. Directly comparable on retirement income planning, written-plan methodology, and insurance/annuity product menu, though it operates at a larger multi-advisor scale.
• Halbert Wealth Management: Independent RIA specializing in retirement income planning, tax-efficient withdrawal strategies, and HNW financial planning. Closely comparable on retirement focus, fiduciary RIA model, and comprehensive written retirement plans, though larger in AUM and headcount.
• Heritage Financial Planning Group: Independent financial planning firm focused on retirement income and wealth preservation for retirees and pre-retirees. Comparable in customer segment (retirees/HNW), written-plan methodology, and event-driven (dinner seminar) lead generation model.

Emerging players

• Wade Pfau Retirement Income Style: Retirement income research and advisory practice popularizing written retirement income plans and the bucketing/proprietary income strategy approach. Comparable in thought leadership on written retirement income plans, but oriented around research/content rather than direct AUM management.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/peak_fin
• Facebookfacebook.com/peakfinancialfreedomgroup
• LinkedInlinkedin.com/company/peakfinancialfreedomgroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Peak Financial Freedom Group