Kenneth Beber, AIF^®, CFS
Peak Financial, Inc.

Financial Planning for Individuals

Successful planning begins with a clear understanding of what must be done to help meet your goals. We believe helping you clarify your goals is the first step towards achieving them. With this information, we present you with our analysis, showing you where you are and where you need to be to accomplish your objectives, the appropriate solutions – a path toward your goals. Our plan is comprehensive and unique to your life, addressing such topics as retirement savings, life insurance and estate planning, education funding, the health of your business or professional practice, and even tax and real estate issues.

Financial Planning for Businesses

Peak Financial, Inc. is committed to assisting you in evaluating and developing the Employee Benefits package that will make a real difference in recruiting and retaining the people you want and need. Our analysis begins by understanding all of the business planning issues that are relevant to you. These issues may range from designing, implementing and servicing a variety of qualified and non- qualified benefit plans or integrating those plans with your desire for specific protection or exit strategies. These are always part of our commitment to consistently offer independent, objective and unbiased advice regarding possible business planning solutions.

Portfolio Management

At Peak Financial, Inc. we take great pride to provide access to some of the most established financial organizations and a broad universe of premier institutional money management firms. Investment strategies are identified with one thing in mind: “Which Manager best fits your unique situation”.

Financial Planning for Individuals

Successful planning begins with a clear understanding of what must be done to help meet your goals. We believe helping you clarify your goals is the first step towards achieving them. With this information, we present you with our analysis, showing you where you are and where you need to be to accomplish your objectives, the appropriate solutions – a path toward your goals. Our plan is comprehensive and unique to your life, addressing such topics as retirement savings, life insurance and estate planning, education funding, the health of your business or professional practice, and even tax and real estate issues.

Financial Planning for Businesses

Peak Financial, Inc. is committed to assisting you in evaluating and developing the Employee Benefits package that will make a real difference in recruiting and retaining the people you want and need. Our analysis begins by understanding all of the business planning issues that are relevant to you. These issues may range from designing, implementing and servicing a variety of qualified and non- qualified benefit plans or integrating those plans with your desire for specific protection or exit strategies. These are always part of our commitment to consistently offer independent, objective and unbiased advice regarding possible business planning solutions.

Portfolio Management

At Peak Financial, Inc. we take great pride to provide access to some of the most established financial organizations and a broad universe of premier institutional money management firms. Investment strategies are identified with one thing in mind: “Which Manager best fits your unique situation”.

Estate Planning & Trusts

Proper Estate Planning involves anticipating and reducing the estate tax liability wherever possible as well as providing for payment of the tax. However, Estate Planning is also about people and their desire to provide for their loved ones. Estate creation, income replacement, and the orderly transfer of property from one generation to the next continue to be the primary objectives of most estate plans. You may need to provide care for minor children, support for disabled children and elderly parents, and the protection of loved ones from creditors. Most importantly, are there enough life insurance proceeds, liquid assets and other sources of income to help maintain the current living standards of your surviving family?

Tax Planning & Mitigation

Effective tax planning is the cornerstone of Comprehensive Wealth Management. At Peak Financial, Inc. we collaborate with experienced Tax Professionals to assist our clients in establishing the most effective ways to position their wealth, utilizing all of the federal and state tax rules and regulations most favorable to our clients. Planning strategies include Tax Favored Wealth Accumulation and ultimately distribution to generations of their choice.

Investment Management & Advice

We believe in some core principles in Investment Management that are time tested to assist you to attain long-term investment success: Although they cannot ensure a profit or protect against a loss, Diversification and Asset Allocation provide a basis to managing market volatility, investment returns and potential market risks. Our Advisors have extensive experience in assisting you to clarify your goals and objectives which build the foundation to recommending an appropriate investment strategy. By fully understanding your situation, your risk tolerance and other important factors in your planning process, we will do our utmost to help you maximize potential investment returns. We carefully evaluate how to best manage taxation in your portfolio by utilizing tax efficient investment strategies or shelter the investments from taxation when appropriate.

Risk Management

At Peak Financial, Inc. we provide up to date comprehensive and unique risk management tools available in our industry today. One of the most common responses we receive from our clients is "Why hasn't anyone else told me about these strategies before?" The answer is that many firms are not focused on the risk itself; therefore they cannot be truly focused on the solution. We believe that helping you preserve your assets should be the beginning of proper risk management. As the time horizon for achieving your goals gets nearer, we design strategies to help you continue to grow the asset you were able to retain. Inflation can reduce the value of every dollar over time. We pride ourselves in guiding you toward risk management choices designed to help manage different types of risk and make your financial goals reality.