Eric at The PeakFP
I'm a CERTIFIED FINANCIAL PLANNER TM and a Retirement Income Certified Professional.
Every week we release 2 videos designed to help you Navigate the Retirement Risk Zone with clarity and confidence.
Our videos are designed to cover both the mathematical and psychological sides of retirement planning.
After all, your retirement plan is only as good as your ability (and motivation) to execute!
Join us as we share tips to help you maximize your retirement income, improve your retirement spending flexibility, create clarity around common retirement planning action items, and debunk conventional wisdom (A.K.A propaganda).
If you'd like to learn more about scheduling a FREE call with my firm, visit us at www.ThePeakFP.com
Make sure to hit the SUBSCRIBE button to get notified of future videos!
Eric at The PeakFP
We're Hiring a Financial Advisor — No Prospecting Required, Just Retirement Planning
We’re hiring a CFP® at Peak Financial Planning, and this is not a traditional advisor role.
First, a quick snapshot of the firm:
Founded January 2022
Team of 8
Delivered 95 financial plans in 2025, targeting 400 in 2026
Have more than doubled every year since launch
This is a startup-style firm with real momentum, strong systems, and a big, exciting year ahead.
What The Role Is
100% retirement-focused planning
Flat-fee financial planning with optional AUM
All clients provided
Advisors as educators first, not closers
Clear planning systems and guardrails
What You Must Love
Retirement income planning
Tax planning
Following systems and process
The belief that investments support the plan — not the other way around
What You Don't Need
Lead advisor experience
Clients
Sales skills
IncomeLab experience (we’ll train you)
💰 Comp: $110k–$150k in Year 1
🌎 Fully remote (U.S.)
If you want to do real planning and help build a fast-growing retirement firm the right way, this might be a great fit.
Click the link here to apply:
form.fillout.com/t/pG465LVZcbus
2 weeks ago | [YT] | 4
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Eric at The PeakFP
Early retirees: your health insurance could more than double in 2026.
Here’s the plain truth.
The extra ACA subsidies are set to end on December 31, 2025.
If nothing changes, many 55–64 year-olds will see premiums jump on January 1, 2026.
Why?
A hard income cliff comes back at 400% of the Federal Poverty Level (FPL).
1. Married couple: about $84,600 MAGI
2. Single: about $56,300 MAGI
Go $1 over? You could lose all help and pay full price.
Quick example:
- A 60-year-old couple in CA making $95,000 now pays about $675/month.
- In 2026, that could jump to about $1,950/month.
- That’s $15,300 more per year — or $76,500 over five years before Medicare.
That can break a plan.
What to do now (simple and urgent):
1. Know your MAGI for 2026.
Not spending.
Not portfolio size.
Your Modified Adjusted Gross Income.
See where you land vs. the cliff.
2. Measure your “cliff distance.”
Model premiums with and without subsidies.
- Plan for the worst case.
Small income moves can push you over.
3. Tune your levers.
Review withdrawals, Roth conversions, and Social Security timing.
This is not set-and-forget.
4. Set a backup plan.
If premiums rise $10k–$15k/year, where does that money come from?
What gets cut?
Do you delay or work part-time?
If your retirement plan counted on ACA help, the math just changed.
If you want a MUCH deeper dive on this topic, and what to do, watch the video I just released: https://youtu.be/dqZrXKuIJeM
2 months ago | [YT] | 26
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Eric at The PeakFP
We’re hiring a Remote Associate Financial Planner (track to Lead Planner).
If you geek out on retirement income planning, guardrails, RightCapital/IncomeLab—and you’re an excellent communicator—we’d love to hear from you.
Apply here: uxz91v8zvjd.typeform.com/to/gddC2ovj
4 months ago | [YT] | 10
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Eric at The PeakFP
💥 A tax bomb is being sold to retirees—
…but what if it’s a scare tactic?
You’ve probably heard:
“Taxes are going to explode.”
“Roth now or regret it later.”
But that’s not the full story.
This week’s video breaks down why some Roth conversion advice could cost you more than it saves.
Watch here → https://youtu.be/VHvS4sxk9Ng
🔍 Get clarity before making a move you can’t undo.
5 months ago | [YT] | 4
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Eric at The PeakFP
"It felt like I was doing everything right... until the market dropped."
That was a comment someone left on this week’s video—and it’s exactly what I hear from retirees who used the 3-bucket strategy.
The simplicity feels safe… but when markets get rough, the real cracks start to show.
👉 Watch now: The Fall of the 3 Bucket Strategy (And What’s Replacing It): https://youtu.be/EnTpQ6wvU9M
This might be the video that changes how you think about risk in retirement.
💬 Have you ever felt unsure about when to rebalance or refill your "buckets"?
5 months ago | [YT] | 4
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Eric at The PeakFP
📺 Retirees love the 3-Bucket Strategy… but it’s quietly failing them. Here’s why:
The 3-bucket strategy promises simplicity and safety—but most retirees end up improvising when markets crash.
I break it all down in today’s video—including the 4-layer guardrail system that’s replacing it for high-net-worth retirees.
👉 Watch now: The Fall of the 3 Bucket Strategy (And What’s Replacing It): https://youtu.be/EnTpQ6wvU9M
Which of these would you want most from your retirement strategy?
6 months ago | [YT] | 4
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Eric at The PeakFP
Coming Soon 🔥
One of the most popular retirement spending strategies?
It's also the most flawed.
In tomorrow’s video, I’ll unpack why the 3-bucket strategy is falling apart—and what smarter retirees are using instead to actually weather volatility.
This one’s going to challenge a few assumptions... stay tuned.
💬 What retirement strategy have you heard the most about?
6 months ago | [YT] | 9
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Eric at The PeakFP
📺 Just hit $1M in retirement savings? Before you do anything else, watch this:
https://www.youtube.com/watch?v=xFdQA...
You might be closer to retirement than you think…
But if you skip these 5 moves, you could be setting yourself up for regret, not freedom.
Quick poll: Which of these are you MOST concerned about as you approach retirement?
👇 Vote and then drop a comment—what’s your #1 priority before you retire?
6 months ago | [YT] | 13
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Eric at The PeakFP
These 5 purchases seem like smart moves when you’re planning for retirement.
But almost every retiree I’ve worked with ends up regretting them.
In this video, I break down:
-Why these “must-haves” feel so compelling at first
-The hidden costs they create
-And smarter ways to spend your money in retirement
🎥 Watch it here before you make the same mistake:
👉 https://youtu.be/A3zUC7z2_oU
You might save yourself thousands — and a lot of frustration.
6 months ago | [YT] | 5
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Eric at The PeakFP
My boys turned 5 months a week ago. I haven't posted any updates, so for those of you that are curious, here they are - Isaiah (falling asleep because eating is HARD). And Elijah - enjoying his crinkly book with breakfast.
What are your best memories of your kids at this age?
6 months ago | [YT] | 58
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