John Kirker

Peak Financial Freedom Group
Roseville, CA

After graduating with a degree in Information Systems with a minor in Journalism, John by chance found that he had a knack for financial advising. John was introduced by a mutual friend to Dan Ahmad, who became his longtime friend and mentor, and who got John started in the financial field, training him as a financial advisor.

John wrote several financial planning software packages and eventually co-founded a web-based financial technology startup that aided advisors and consumers with dealing with the uncertainties of retirement.

Currently, John provides comprehensive retirement income and planning services in his role as a fiduciary, helping retirees and preretirees make the best financial decisions to meet their financial goals and retire as worry-free as possible. This book is part of John’s written contribution to all who want to take the risk out of their retirement, and it also lays to rest many untrue investment myths common in the industry.

Download my chapter "Annuity Myths Or Lies People Will Tell You About Fixed Index Annuities With Income Riders" from the Best-Selling book Momma's Secret Recipe for Retirement Success!

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  • 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 […]

  • Coronavirus: What the Viral Epidemic Means for Investors

    Volatile Markets and the Ongoing Spread of the Virus are Causing Economic Uncertainty

    Last week saw the worst week on Wall Street since 2008, as the Dow fell into correction likely due to the outbreak and spread of COVID-19, commonly called novel coronavirus. A market correction is a nerve-wracking event for investors, but the current uneasiness in the markets is no cause for panic.

    Market Impact

    While the spread of COVID-19 is atypical, a market correction is not. In fact, it’s an entirely normal process, and not altogether unexpected after experiencing the longest-running bull market on record. There have been 22 market corrections since 1974, and they are aptly named because the market usually “corrects” itself and returns prices to their longer-term trends. While the coronavirus is likely to cause economic impact into at least the second quarter of 2020, historically, Wall Street’s reaction to these types of epidemics has been short-lived, including in the recent past.

  • Four Reasons to Think Twice Before Buying a Vacation Home

    When you spend most of your year toiling away at work, it’s natural to want to make the most of your vacation time. For many Americans, this means dreaming of the opportunity to own a vacation home where they can relax and recharge, while possibly earning rental income, too.

    Before you pull the trigger on your own vacation home, however, you may want to think twice. While it certainly offers the opportunity for enjoyment and making meaningful memories, vacation homes also come with a few drawbacks.

  • Selling a Business Provides Unique Philanthropic Opportunities

    The opportunity to sell your family business might represent the pinnacle of your life’s work – and possibly the work of generations of family before you, as well. It can be an even more meaningful experience when you use the sale as an opportunity to achieve your philanthropic objectives, which is possible with proper business […]

  • Four Strategies for Overcoming Boredom in Retirement

    So, you’ve made it to retirement – congratulations! Your many years of hard work, smart financial choices and proper life planning have paid off and you’re now enjoying the best years of your life. Or, are you? Like many big life changes, retirement can bring with it some surprises. One that catches many retirees off-guard […]

  • How to Prevent Entitlement in America’s Children When a Trillion-Dollar Wealth Transfer is Underway

    The United States is in the midst of a massive wealth transfer from Baby Boomers to Gen Xers and Millennials – to the tune of $30 trillion, in fact. In light of this, many parents are wondering how to ensure their children feel empowered by their inheritance, without adopting a dangerous sense of entitlement. Below […]

  • When You Have Enough Saved but Still Worry About Money

    In the financial advising business, it’s fairly common to hear from clients who are concerned they haven’t saved enough for retirement. What’s surprising about this, though, is that many of these clients are actually in an enviable financial position. They have worked hard to save more than they are likely to need, and yet they […]

  • Preparing Financially and Emotionally for Life’s Big Transitions

    Do you remember the story about the grasshopper and the ant? The one where the grasshopper spends all day at play while the ant gathers food? Sometimes, we all need a reminder about how that story ends – with the ant prepared for a long winter and the grasshopper completely ill-equipped. In this age of […]