Q & A

Q: What is a Registered Investment Advisor (RIA)?
A: An advisor or firm engaged in the investment advisory business and registered either with the Securities and Exchange Commission (SEC) or state securities authorities. A Registered Investment Advisor (RIA)  is defined by The Investment Advisers Act of 1940 as a "person or firm that, for compensation, is engaged in the act of providing advice, making recommendations, issuing reports or furnishing analyses on securities, either directly or through publications." An investment advisor has a fiduciary duty to his or her clients, which means that he or she has a fundamental obligation to provide suitable investment advice and always act in the clients' best interests.*

Q: How can I verify if Secure Retirement has any customer complaints or Ethical violations?
A: FINRA is the regulatory body that compiles customer complaints and actions against advisors. Additionally we are happy to provide you with a copy of form ADV which is a record of our activities and services that is monitored by regulatory agencies.

Q: What is Secure Retirement's size and market?
A: Our main market is Northern California; however we do have clients in other parts of the U.S. Currently we serve approximately 300 families and manage $100,000,000+ of client assets.

Q. What is your minimum account size?
A: $100,000 for a brokerage account. We work with many clients who have less than $500,000 of net worth and we work with clients who have tens of millions. The average client with us as their advisor has approximately $1,500,000- $2,000,000 net worth. We manage anywhere from 25% to 100% of a client's assets.

Q: Why do you hold your accounts at Charles Schwab & Co.?
A: Best in class, service and technology. Staff is well trained and consistent. Easy to use website and allows e-technology. (That can come in handy!)

  • *Investopedia definition

About Richard

Richard began his financial services career as an advisor in the Monterey Bay region of California, where he used Efficient Set Theory to create and manage institutional investment portfolios.

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About Jeff

Jeff is a specialist in the field of retirement security planning, with over 30 years of experience in the financial services industry. A cornerstone of his philosophy is an emphasis on safe investing strategies.

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Contact Us

18 Crow Canyon Court, Suite 325
San Ramon, CA 94583
P: 925-855-4300
F: 925-855-4630