WHO WE SERVE

Guidance Built Around the
People Who Matter Most

Peak Solutions Financial is California-based and serves families coast-to-coast,
helping them prepare for retirement and make confident financial decisions

Individuals Approaching Retirement

People within 5-10 years of retirement who want to understand their income options, pension decisions, and how to build a plan that supports their goals.

Couples Planning Together

Spouses and partners who want one coordinated plan that accounts for both incomes, Social Security timing, and protection for the person left behind.

Families Focused on Legacy

Families who want their plan to protect the people they love and to pass on more than money: clarity, security, and intention.

Professionals and Public Employees

Professionals and public employees with pensions, employer accounts, and complex benefits who want every piece coordinated.

See our public employees guide →
Why Planning Matters

Retirement Decisions Are More Complex Than They First Appear

Retirement income comes from many sources, and each decision shapes the years ahead. Small choices made early can have a large effect on the view from the top.

That is why we start with understanding, not products. When you can see how every piece fits together, the path forward becomes clear.

Income Sources That Must Work Together

01

Pensions, employer accounts (401(k), 403(b), 457(b)), IRAs and Roth IRAs, and Social Security each behave differently and interact in ways that are easy to miss.

Timing and Sequencing

02

When you draw from each source affects both your income and your taxes for decades.

Protection Gaps

03

Without a current beneficiary and protection review, a single life event can put a family's income at risk.

Irreversible Choices

04

Some retirement elections cannot be undone, which makes understanding them before you decide essential.

Our Signature Process

The Peak Path™

A six-step journey to financial confidence, retirement readiness, and lasting legacy.

How We Help

Retirement Services Built Around
Your Life

Every service exists to give California families clarity, protection, and income they can
count on. No pressure. No guesswork.

Pension and Benefits Review

A clear review of your pension benefits, payout options, and survivor elections before any irreversible choice.

Retirement Income Planning

Turning your savings, benefits, and accounts into reliable income designed to last 20 to 30 years or more.

Employer-Sponsored Accounts

Coordinating 401(k), 403(b), and 457(b) accounts, along with IRAs and Roth IRAs, alongside your other income.

Asset Protection

Protecting what you have built from market risk, unexpected expenses, and long-term care costs.

Beneficiary Reviews

Reviewing designations across every account and policy so your assets go exactly where you intend.

Legacy Planning

Planning how your wealth transfers to the next generation, coordinated with estate planning professionals.

Explore All Services

Income Planning

A Retirement Income Plan Built for Your Life

A pension or a single account rarely tells the full story. We help you coordinate every income source, including pensions, employer accounts, IRAs and Roth IRAs, and Social Security, into one clear plan, with attention to timing, taxes, and the income that needs to last as long as you do.

Your income, coordinated

  • Pension and Social Security timing
  • 401(k), 403(b), 457(b), IRAs and Roth IRAs
  • Tax-aware withdrawal sequencing
  • Income designed to last through retirement

Protection

Protecting the Family Behind the Plan

Income planning is only half of retirement. We review your insurance coverage, beneficiary designations, and family income continuity, so the people who depend on you stay protected, whatever the years ahead bring.

Protection that holds

  • Insurance coverage review
  • Current beneficiary designations
  • Family income continuity
  • A plan for the unexpected

Client Trust

What Our Clients Say

Real words from the families and individuals we guide.

“

[Client testimonial to be added. Replace this with a real, client-approved quote in the client’s own words.]

[Client name]

[City, CA]

“

[Client testimonial to be added. Replace this with a real, client-approved quote in the client’s own words.]

[Client name]

[City, CA]

“

[Client testimonial to be added. Replace this with a real, client-approved quote in the client’s own words.]

[Client name]

[City, CA]

Placeholder section. Real client testimonials will appear here once provided.

Where We Work

Based in the Bay Area. Serving Families Across California.

Peak Solutions Financial works with families and individuals throughout the San Francisco Bay Area and across California, in person at our office and virtually statewide.

Wherever you are on the climb, you will have a guide who knows the terrain.

Office

3526 Investment Blvd. #211, Hayward, CA 94545

email

info@peaksolutionsfinancial.com

call or text

(650) 844-0656

Your Trusted Team

Meet the Guides Who Walk With You

A California team dedicated to helping families and individuals reach retirement with
clarity and a plan built for their life.

Ryan Cahill

Ryan Cahill

Financial Advisor & Founder

Built Peak Solutions Financial on one belief: every family deserves a plan built on education and honesty, not sales pressure.
Full profile
Schedule with Ryan
Frankie Fegurgur

Frankie Fegurgur

Financial Advisor

Helps people approaching retirement coordinate pension, Social Security, and accounts into one confident plan.

Full profile
Schedule with Frankie
Rebecca Palma

Rebecca Palma

Retirement Advisor

Works with individuals and couples to build long-term plans with clarity and thoughtful risk awareness.

Full profile
Schedule with Rebecca

Common Questions

Answers Before You Start

What does retirement planning with Peak Solutions include?

It starts with understanding your full picture: income sources, accounts, benefits, and protection. From there we build a personalized plan and walk you through every decision, so you understand the reasoning, not just the recommendation.

Do I need a pension to work with you?

No. We work with anyone approaching or in retirement, whether your income comes from a pension, employer accounts, savings, investments, or a mix of all of them.

Is the first consultation free?

Yes. The first conversation is a no cost, no pressure way to understand where you stand and whether we are the right fit to guide you.

Do you provide tax or legal advice?

We do not provide tax or legal advice. We coordinate with your licensed tax and legal professionals, and can refer you to trusted ones if you need them.

How do I get started?

Request a consultation and we will set up a time to talk. You can meet with us in person at our Bay Area office or virtually from anywhere in California.

Ready to Take the First Step?

Every confident retirement begins at base camp. Let’s map
your route and start the climb together.

Request a Consultation