CAUtion. Agility. Wisdom.

It’s the way we invest.

LET EXPERIENCE BE YOUR GUIDE

As a Registered Investment Advisor, Secure Retirement offers the consistency and depth of relationship you deserve.

Located in San Ramon, California, our focus is on eliminating unnecessary risk inherent in most investment portfolios, especially with money you’ve earmarked for retirement.

Your financial security is our goal. Whether you have questions about retirement plans, concerns about providing for care, are newly single, or even need help creating a simple budget, we’re here to help.

WHAT DEFINES US? Care, common sense and knowledge.

If this is your first time visiting our website, it’s likely because of someone you know. You may have been told how we have been a reliable guardian and steward of the porfolios entrusted to us– even through unprecedented financial turmoil. Our client loyalty makes us feel proud yet humbled.

In fact, we take the faith our clients have in us as a sacred trust. It’s the reason we never relax our viligance. Our asset management approach is never passive. Every business day, we carefully evaluate market conditions, anticipate trends, and endeavor to adjust individual porfolios where needed. We are very familiar with each of our accounts, always mindful that they represent over 300 families who have entrusted their savings to us.

The truth is, even before these unsettled times, we monitored and managed our client’s accounts every day. For example, if a fund or security is losing value beyond the parameters we have set, our goal is to sell it that same day. It’s that simple. In our experience, this hands on approach is far superior to the “set and forget” investment philosophy generally followed by large investment banks and their customers.

Richard Morey

Above, Secure Retirement President and Founder Richard Morey speaks from his home office recently (October 2020). Don’t miss his bi-monthly conference calls. 

Defensive Growth or Income Portfolio?

What is the difference? While growth funds aim to generate capital appreciation through high levels of growth and capital reinvestment, income funds aim to generate a steady and regular income by investing in financial securities that offer regular payouts to investors. 

Jeff Warren

Jeff is always enthusiastic about exploring ways to ensure stability and security during retirement, especially in these uncertain times. Here he describes how Income portfolios and social security provide income streams, and the ways they can work together.

VIEW ARCHIVED DISCUSSIONS, REPORTS AND MORE ON OUR RESOURCE PAGE

Richard's Reports • Market Insights • What You Should Know

Pandemic in Retrospect

The directive came suddenly: “Businesses must close today”.

Prudent and foresighted as ever, Richard had packed up a week earlier, and was already working from his home office. Jeff, Dianne, Judit, Amber and I hurriedly gathered things up— like a war evacuation– and departed for our respective homes.

Well, the Technology Cloud has been marvelous. Our transition turned out to be seamless, as we had fortunately pre-tested the ability to virtualize every aspect of day-to-day operations. (One caveat. Who could plan for when your cat starts meowing during a phone conference?!?)

At the present time, Judit, Amber and I have resumed working from the main office, while the rest of us continue remotely,

One thing seems sure. Whatever else can be said about these times, so grim and challenging for so many of us… we are living through days we shall always remember. 

Peter

Sustainable Investing

“The notion that sustainable investing comes with a financial trade-off is outdated.”
A. Bhutani
CEO, Lazard Asset Management

In every challenge there is an opportunity. And because of the mandated shifts to renewables taking place globally, supporting the green revolution has never been so rewarding. 

PIMCO (Pacific Investment Management Company) is an outstanding ESG performer— and in fact they can be found in most of our portfolios. With over $1.7 trillion in assets under management, PIMCO has consistently outperformed benchmarks.

Also consider Lazard Asset Management, for example– global asset managers since 1953. We believe they are at the forefront of SEG. But no need to take our word for it. Learn about their effective Social, Environmental and Governance initiatives HERE.

Find out more by talking to Jeff Warren, our specialist in ESG investments.

Latest Publications

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Your contact information is never shared.

Annuities or?

We like Motley Fool’s definition of annuities as: “Contracts between you and an insurance company. In exchange for a typically large sum of money, the company promises to pay you a lump sum at some point or, more often, a monthly sum.

“There’s a lot more to learn before you buy into any annuities, though, including the difference between fixed, deferred, indexed, and variable annuities.”

Investment and insurance companies have saturated us with tens of thousands of products and strategies to compete for our retirement assets. According to whom you’re listening to, annuities are either an evil creation of the insurance industry, or a miraculous combination of guarantees and income for life.

We have decades of insurance experience and we remain agnostic about annuities. We can help clarify the benefits and potential drawbacks, so that you can make an informed decision based on your needs and preferences. 

We've got you covered.

Website security

This website is protected by secure SSL/TLS encryption. We also utilize SIteLock Website Security for added protection against malware.

We know a lot about financial planning. But don't take our word for it. Feel free to call us: (925) 855-4300, Mon-Fri 8:30AM-5PM.

In addition to comprehensive investment guidance we offer:

You will find more about our investment philosophy in the investment section of "What we do".

Basically it comes down to two main goals:

Rule One- Capital Preservation.
Rule Two- Capture Opportunities for Profit without risking Rule One. 

Please continue to explore our website to learn more. 


INVESTMENT PORTFOLIOS


All investment portfolios need to have priorities. These priorities are best defined by an honest appraisal by the investor and their advisor. What do you need your money to do for you? Time horizons, risk tolerance and individual preferences all must be considered.

Some investors want their accounts to grow and appreciate for their future. Some of our retired investors want a more income-oriented portfolio that distributes income with very low volatility. Others prefer a mix of the two approaches.

Whatever the priorities are, our firm can help those financial goals become reality.

DEFENSIVE GROWTH PORTFOLIOS

Objective: Capitalize on market volatility with optimal diversification to protect against loss.

Drawdown guidelines designed to protect principal using an active trading protocol, in which assets are monitored daily.

Sample Asset Classes:

·        U.S. Government Treasury Bonds
·        Precious Metals (Gold & Silver)
·        Managed Futures – Trade in liquid markets including Bonds, S&P 500, commodities & currency.

Goal:  to outperform over the rest of the current economic cycle.

CONSERVATIVE INCOME PORTFOLIOS

Objective: Invest in a diversified portfolio of assets and funds that can generate dividends, interest, or distributions.

Portfolio fund selection can be tailored to investor risk and volatility tolerance.

Sample Asset Classes:

·        Fixed Income / Bonds
·        Utilities
·        Infrastructure
·        Real Estate

Goal: to provide distributions consistently that may be used for income or re-invested.

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