Jim Files

Peak Financial Freedom Group
Roseville, CA

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 has extensive training and experience in Mergers and Acquisitions and in a previous role he co-founded a technology company and help lead it to a successful public offering.

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  • Five Annuity Myths – And Why They’re Wrong

    Annuities Can Generate Reliable Income, Though They Often Get a Bad Rap When you think about financial planning and the money you’ll live on in retirement, stocks and bonds probably come to mind. These market-based investments are often in the spotlight, and it’s true that they can help you grow your wealth. However, it’s also […]

  • 10 Questions to Help You Choose a Financial Advisor

    Be Intentional About Who Will Guide Your Retirement Planning We all dream of a relaxing, carefree retirement that allows us to enjoy the fruits of our decades of hard work. However, this may be possible with proper planning. Whether you’re getting an early start or you’re nearing retirement age, it’s helpful to seek out the […]

  • Five Tips to Help Protect Your Retirement Savings in an Economic Downturn

    You Have More Power Than You Realize to Keep Your Finances on Track The COVID-19 pandemic and ensuing economic turmoil have caused many people to reexamine their finances. Even if you have taken control of your financial future by being diligent about saving for retirement, it’s normal to feel out of control when facing an […]

  • Five Reasons the Pandemic May Be a Good Thing for Your Retirement

    Finding the Silver Lining of COVID-19 There is no disputing that the COVID-19 pandemic has been a tragic event for millions. Illness, death, job loss, fear, and a world essentially shut down for weeks on end has wreaked havoc – and it isn’t over just yet. Truly, the negative impacts of this global health crisis […]

  • The CARES Act Has Changed 2020 RMD Rules

    When President Trump signed the Coronavirus Aid, Relief and Economic Security (CARES) Act on March 27, he enacted the largest aid package in American history.[i] One important impact is that Required Minimum Distributions (RMDs) for 2020 are, in essence, suspended. In this way, the federal government chose to sacrifice short-term tax revenue in order to […]

  • Financial Literacy Month, Coronavirus and Financial Resilience

    Beginning 16 years ago, April was declared Financial Literacy Month as part of a strategy to enhance and increase nationwide financial literacy. It was implemented with the hope that it would lead to increased government advocacy of financial literacy programs, as well as spark more interest in programming already offered through schools, non-profit organizations, and […]

  • Scams Abound Amid Pandemic Panic

    Sadly, as is the case in any crisis, there are those among us who are looking to capitalize on cruelty and take advantage of heightened vulnerabilities. Hackers are trying to lure victims to click on COVID-19 related hyperlinks that contain malicious software and other computer viruses. In some cases, these scams look like official messages […]

  • CARES Act Signed into Law –Brings Relief to Millions of Americans

    On March 27 the President signed into law the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) to address the unprecedented public health and economic crisis related to COVID-19. This $2 trillion bill is meant to impact both individuals and businesses and contains significant tax-savings measures. It could affect prior tax years while also […]

  • Tax News: IRS Announces Extended Deadline for 2019 Tax Returns

    Americans Can Defer for 90 Days As we continue to face uncertain times, the IRS has made a welcome announcement. Treasury Secretary Steven Mnuchin has announced that the IRS has decided to extend the filing and payment deadline for 2019 tax returns, allowing taxpayers to defer until July 15. Mnuchin indicated this move will put $300 billion […]

  • How to Remain Hopeful and Keep Perspective During the Covid-19 Outbreak

    We are facing something we have never faced before in our lifetimes. That is a fact and, in time, when the news of the pandemic spreading and the recommendations on social distancing getting broader by the day, it can be hard to feel certain or safe about anything. Although Peak Financial clients have benefitted tremendously […]

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