Business Details
24 Years
experience
Your Trusted Financial Advisers for Secure Retirement Planning
Secure Retirement was founded in 2002 with a mission to provide innovative, client-focused financial planning solutions. Our approach combines decades of industry experience with advanced risk management strategies, ensuring clients receive personalized retirement plans tailored to their unique needs. We prioritize data-driven decision-making over reactive market trends, utilizing proven methodologies like strategic asset allocation and macroeconomic analysis. Our team of seasoned advisors brings over 60 years of combined expertise, serving more than 300 families while maintaining the personal touch of a boutique firm. We distinguish ourselves through our commitment to continuous research, adapting to regulatory changes and economic shifts to optimize client outcomes. Our fiduciary responsibility guides every recommendation, focusing on long-term financial security rather than short-term gains.Client testimonials consistently highlight our exceptional service, with many praising our ability to navigate complex market conditions while maintaining transparent communication. Our San Ramon-based team leverages relationships with major asset managers while preserving the individualized attention that defines our practice. Through educational workshops and personalized consultations, we empower clients to make informed decisions about retirement planning, income strategies, and investment opportunities. Our track record demonstrates success in helping clients achieve financial stability, even during periods of market volatility, by implementing disciplined investment approaches and innovative hedging techniques.
Services
Retirement Planning
Advanced Hedging
Income Planning
Bond Market Guidance
1031 Exchange Education
Macro Strategy Portfolio
Insurance Solutions
Details
- Year established: 2002
Highlights and features
- We implement Nobel Prize-winning portfolio optimization strategies for superior risk management
- Our advisors have over 60 years combined experience in financial services
- We maintain fiduciary responsibility in all client recommendations
- Our macroeconomic research service provides global market insights
- We offer personalized investment approaches with regular portfolio adjustments
Associations and certifications
- Fiduciary
- Notary Public
What people say
Heads and shoulders above
Outstanding investment decisions
Best interests
Caring and helpful
Recommend to anyone
Services
Retirement Planning
We create comprehensive retirement blueprints tailored to individual financial goals and risk tolerance. Our approach combines market analysis with personal financial assessment to develop sustainable income strategies. The service includes portfolio optimization, tax-efficient withdrawal planning, and long-term care considerations.
Advanced Hedging
Our hedging strategies protect portfolios against market volatility while maintaining growth potential. Using sophisticated financial instruments, we implement protective measures that adjust with economic cycles. This service helps clients preserve capital during downturns while participating in market upswings through disciplined risk management techniques.
Income Planning
We develop customized income generation plans that balance immediate needs with long-term sustainability. The service analyzes multiple revenue streams including pensions, investments, and social security optimization. Our approach ensures consistent cash flow while protecting against inflation and longevity risks through diversified income sources.
Bond Market Guidance
With 25+ years of bond market expertise, we provide strategic fixed-income solutions. Our service evaluates credit quality, interest rate exposure, and yield curve positioning to build resilient bond portfolios. We focus on capital preservation while optimizing income generation through careful market timing and diversification.
Macro Strategy Portfolio
This systematic portfolio management approach tracks global economic trends and market cycles. We adjust allocations based on macroeconomic indicators while maintaining exposure to growth opportunities. The strategy incorporates cryptocurrency positioning and emerging market analysis to capitalize on evolving financial landscapes while managing systemic risks.
People
Richard Morey
President and Founder
With over 25 years in finance, Richard established Secure Retirement in 2002 after roles at Lighthouse Asset Management and Bellingham Investment Management. He pioneered risk-controlled portfolios during the dot-com crash and applies Nobel Prize-winning theories to modern portfolio management.
Jeff Warren
Head of Finance Management
Bringing 30+ years of experience, Jeff specializes in retirement planning and long-term care insurance. He holds FINRA Series 6, 7, 63, 65, and LTCP certifications. His career spans major insurance companies and investment firms, focusing on sustainable financial strategies.
Amber Jenkins
Investment Advisor Representative
A licensed financial advisor with dual expertise in investments and wellness, Amber combines analytical precision with holistic planning. She draws on mentorship from senior advisors and applies mindfulness principles to financial decision-making for comprehensive client solutions.
Judit Eriksson
Client Relations Manager
With corporate management background, Judit ensures seamless client operations and support. Her technical expertise and interpersonal skills maintain efficient financial planning processes while delivering personalized service that prioritizes client needs and satisfaction.
Peter Eriksson
Technology and Trading Specialist
Leading IT improvements and trading operations, Peter integrates technology with financial services. His dual role as webmaster and trading specialist supports efficient client-advisor interactions while pursuing additional financial advisory certifications to expand his technical and market expertise.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including portfolio management, income strategies, risk assessment, and tax-efficient withdrawal plans tailored to individual financial goals.
How do you differ from other financial advisors?
Our approach combines Nobel Prize-winning theories with real-world market experience, focusing on proactive risk management rather than reactive market chasing.
Can you help with 1031 exchange strategies?
Yes, we educate clients about 1031 exchange options to defer capital gains taxes when selling investment properties.
Do you work with clients outside California?
We serve clients nationwide, using technology to maintain personalized service regardless of geographic location.
What investment strategies do you use?
Our strategies include macroeconomic analysis, strategic asset allocation, and advanced hedging techniques adapted to current market conditions.
How often do you review investment portfolios?
We conduct regular portfolio reviews and make adjustments based on changing market conditions and client circumstances.
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