PEACE OF MIND. FINANCIAL SECURITY.​

Let’s achieve both. ​

RULE ONE

Based on a central premise, many investment firms recommend high exposure to the stock market at all times. At Secure Retirement, removing risk in retirement portfolios is our core principal.

It is why for over 22 years we have studied which asset classes provide true safety, and profits, when risk strikes markets.

Learn more about conservative investment below.

OUR NAME SAYS IT ALL.

Here at Secure Retirement Financial, our mission is simple– to invest portfolios safely, while serving our clients with old-fashioned care and experienced competency. In addition to comprehensive investment guidance we offer:

Learn more about what we do.

INVESTING


DEFENSIVE GROWTH PORTFOLIO INVESTMENT STRATEGY


RULE ONE

The overriding principle which governs our Defensive Growth Portfolio involves the control measures, described below, which we use to quantify and limit risk. These measures are designed to make sure we move to a fully defensive position should severe risk hit markets.

The secondary goal involves attempting to identify and capitalize on opportunities, wherever they may occur.

Portfolio Construction Process

  1. Macroeconomic study. We search for asset classes around the world which have the most attractive combination of growth prospects and price.
  2. We then study the correlations between those asset classes and all other asset classes, and the standard deviations of their returns, during economic time periods similar to the present.
  3. With those variables in place, we select the portfolio which has the highest expected return at the volatility level we are targeting.
  4. Once we have determined the correct mix of asset classes (“optimizing” the target portfolio), we select the appropriate mutual funds, exchange-traded funds, or individual securities (stocks & bonds).

A Crisis Portfolio

Our current Defensive Growth Portfolio was developed specifically for the unique time period we are in now. It was created after a series of studies in which we analyzed the performance of every asset class during previous time periods involving a financial crisis, market crash, and/or severe recession or depression. The purpose of these studies was to learn how to spot, analyze, and reduce investment risk. 

One particular theme emerges when studying historical macroeconomics. As a rule, almost every single asset class in the world drops together as a group through a crisis. Perhaps 99 out of 100 stocks plunge, along with corporate bonds and almost everything else in the markets.

In sharp contrast, three asset classes have typically soared in price from the beginning of a financial crisis or market crash until several months after the accompanying recession has ended. These three asset classes are:

  • Long Treasury bonds
  • Managed Futures
  • Precious Metals

In 2020 our portfolios are split between those three asset classes.


RISK CONTROL

One of the main methods used throughout the financial services industry to measure and control investment risk is called “Efficient Set Theory” (EST), which is the risk control part of “Modern Portfolio Theory.” We have always found it surprising how few investment advisors actually understand the mathematics of this theory, since nearly everyone who considers risk uses EST or a related program.

EST literally created the concept of diversification, the commonsense idea you should not “keep all your eggs in one basket.” During normal times EST gives a relatively accurate, detailed description of the volatility in any portfolio. In other words, it shows how much the account balance is likely to go up or down on a yearly basis.

We stopped using EST nearly 20 years ago due to one seemingly-fatal flaw, which is that it grossly understates actual, real-world risk. It works quite well to predict volatility during normal financial cycles, but not highly abnormal events (times such as our present market upheavals). Why?

When Probability Theory Breaks Down

The past 33 years have shown EST has two problems. Firstly, it dramatically “understates” the likelihood severe market losses will occur. It projects market disruptions will happen every 100 years, when the actuality is more like every 10 to 15 years.

Another reason EST does not work when most needed is because during extraordinary times investors panic and become irrational. When panic sets in, many people sell ALL their stocks and stock funds, and may also even sell their supposedly safe bond funds. Diversification, which works quite well most of the time, becomes worthless if investors sell everything indiscriminately. As a result, the risk control method used by every major Wall Street firm (and the vast majority of professional advisers) ceases to work whenever serious risk occurs. In other words, the financial modeling fails when you need it the most.

Let’s look at a real-life example that illustrates this problem. In 2008 stocks in the United States lost 37%, international stocks lost 44%, real estate funds lost 40%, and commodities lost 37%. In other words, all assets at risk went down together. Even worse, supposedly safe “multisector” bond funds (which typically own all types of U.S. bonds) lost 15%. As a result, millions of investors who owned widely diversified portfolios experienced large losses.

So, the method currently being used to measure and control risk clearly loses its value when large risk hits your portfolio. Given this fact, you might ask what the investment industry is doing about it. The answer is – absolutely nothing. When clients lose far more than they ever expected could happen, their advisor usually tells them the losses couldn’t be avoided. Clients are told they should just be patient and they’ll come out fine “in the long run.”

There is a problem with this advice. Based on our own research and the opinions of many of the most respected economists in the country, we believe the next 12-year projected economic cycle does not currently look promising for stock markets. Single digit losses are projected over that entire time period, up to a drop of 65% before stocks hit “fair value” – most likely in the early part of the next 12-year period. For a retired person, this is far too long to be patient – and far too severe a loss in account value. Clearly the status quo does not appear to be working for retired investors.

From its inception, Secure Retirement found such a situation completely unacceptable, and over the years we have found a far superior way to control risk in retirement accounts. Combining a purely objective use of Efficient Set Theory with a vigilant real-time trading program controlled by simple, common sense arithmetic, we believe we have developed the opportunity to cautiously participate in otherwise more volatile assets while keeping the overall portfolio’s volatility in a relatively tight range. You could call it a “highly optimized” portfolio – at least from a risk control perspective.

In closing this section, we must give most of the credit for our knowledge of risk control methods to Dr. John Hussman, whom we consider the greatest expert in the country on this topic. Dr. Hussman’s statistical approaches inform everything we attempt to do at Secure Retirement. Most of his influence is indirect, but Dr. Hussman’s basic concepts and use of statistics is unmatched in our experience. Not surprisingly, Dr. Hussman is considered the premier academic in both portfolio construction and risk control.


OUR DISCIPLINE

When Secure Retirement was founded in 2002, our goal was to create an investment management company that would truly protect our retired clients, no matter what problems struck the world economy. In other words, our first goal has always been to not lose our clients’ retirement money. Our second goal is to capitalize on profits where we see them.

The key to our investment discipline can be summed up in one common-sense adage: Buy Low/Sell High. Nearly every investor knows buying low and selling high is probably the single most important key to investment success. In fact, if you asked 100 professional investment managers, every single one would likely say they follow this approach. Yet out of all these same managers (who have been trusted to oversee their clients’ retirement money), very few will ever even attempt to buy low or sell high, especially when it really matters.

This fact was illustrated quite clearly recently when a large mutual fund company surveyed over 1000 of the investment advisors who are purchasing mutual funds from them. These advisors were first asked if they believe the stock market is presently over-priced. Over 800 of these professional advisors admitted they believe stocks are severely overpriced and are likely to suffer large losses in the relatively near future. In other words, over 80% of these advisors know they would indeed be “selling high” if they cut back on the stock funds they were purchasing for their clients. The advisors were then asked if they are in the process of reducing the amount of stock funds they own for their clients. Fewer than 10 out of 800 are doing so!

So the vast majority of professional investment advisors firmly believe stocks are over-priced, yet hardly any of them are considering selling high. Why not?

The reason most financial professionals never even try to buy low and sell high is primarily because it’s psychologically very hard to do. Why? Because it means going against the conventional crowd mindset– also called “Herd Mentality”. Successful investors like Warren Buffett and Stanley Druckenmiller are aware of this principle and use it to their advantage. Their method isn’t rocket science. First, you don’t try to call all the highs and lows in markets. Instead, you wait until you see a huge, glaring opportunity. This is typically defined as something quite obvious to you but an apparent mystery to the masses of investors. When you discover that clear, glaring discrepancy or opportunity, you take full advantage of it.

If an investor buys low and sells high, but only at market extremes, that investor may be able to double the stock market at approximately one-third the risk. The only obstacle is that you are required to go directly against the crowd when the crowd is moving most “rabidly in sync.” In our experience, going directly against the crowd in a bubble market environment takes some courage. However we believe it is perhaps the most valuable benefit we offer our clients, as it is the key to principal protection and cycle-long performance.

It’s also important to keep in mind that the macroeconomic knowledge needed to tell an investor when prices are low or high is a vast field that changes continually and requires constant study. Most advisors have no intention of taking the time to try to figure any of this out. It takes a huge amount of objective research that neither they – nor their Chief Investment Officers back on Wall Street – would ever think of performing.

It is so much easier to simply determine at the start how much of a client’s retirement money will be invested in stocks and how much in bonds– and then simply leave it that way. When the stock portion goes up, the advisors can take credit for making their clients’ money. And when stocks lose, they basically say: “It wasn’t my fault – everybody lost money.”

At Secure Retirement we do the research needed to determine if prices are too high and profits should be taken. We then follow through and act on this knowledge, the objective being to lock in profits and to protect against the losses which always follow bubbles – a cyclical pattern that has taken place in every market for the last 700 years.

We also act when prices are too low; purchasing those investments others are selling in fear. This is the exact time our research will be telling us to buy good stocks and potentially several other types of solid assets which have experienced large losses.

The following is one historically reliable indicator we follow, showing the state of the stock market. On the Buffett Indicator, the stock market has now reached the precious all-time high in over-valuation – the dot.com bubble top.

Other indicators with even higher correlations with eventual outcomes show the stock market at even more extreme levels, surpassing the 2,000 tech bubble and even the bubble preceding the Great Depression.

 


RESEARCH METHODOLOGY

At Secure Retirement we do our own research. In particular, over many years, our President Richard Morey has closely studied the world’s most successful investors. Having read the thoughts of many hundreds of so-called experts, he has discovered approximately a dozen leading investors and economists who have outstanding track records and the ability to think independently.

We cannot overestimate the value of truly independent thought in relation to investment success. If you study the ideas presented daily by all of the major Wall Street investment firms, you will find they basically all say the same thing nearly every day: “Stocks are either fairly priced or cheap, the economy is improving, and no extraordinary risks are on the horizon.” This was their mantra in 2000, right before stocks lost nearly half of their value, and they said the same thing in the fall of 2008, immediately before stocks crashed and lost over half their value a second time. In mid-2020, the mantra has changed somewhat, to “nobody knows anything so close your eyes and make money in stocks.”

In other words, historically the “crowd” tends to miss crucial changes and to ignore risks – even as those risks are practically screaming “danger!” At Secure Retirement we never follow the crowd when our research clearly indicates prevailing beliefs are wrong. We are always on the lookout to spot asset bubbles before they crash. The central goal of our trading protocol is to be vigilant and sell before losses occur (beyond a predetermined amount) in our clients’ accounts. Our constant monitoring of macroeconomic conditions also helps us to see when markets, and the economy, have hit bottom. (Actually, if history repeats, Dr. Hussman will tell us within one to three months of the actual bottom.) Then we buy, as aggressively in stocks and related securities as each client wishes, based on their particular needs and preferences.  

While we do our own independent research, we closely heed the advice of that small group of investors who have a proven track record of avoiding risk, delivering outstanding long-term profits, and showing the intestinal fortitude to act on their knowledge. We believe that our own combination of independent thinking, solid mathematical methods, intensive study of historical and current macroeconomic trends and events, and especially our close, daily monitoring of economic and market conditions is what sets Secure Retirement apart from other financial advisors.


RETIREMENT PLANNING AND SECURITY

Our firm’s core competency is risk control for investments and financial needs related to retirement and aging. Every individual or family has unique income and financial needs. For this reason, we strive to personalize each retirement plan so that it accounts for the specific resources and wishes each person has as they contemplate their investments and living circumstances.

Some of our clients need to generate a stream of cash income from their assets. Some prefer the lower volatility and the consistency provided by dividends as an investment strategy.

Regardless of your circumstances and financial goals, Secure Retirement is ready to help you explore your options and plan.

Objectives of Income Funds and Investments

Conservative Strategy-Weighted to capital preservation as a primary goal. Seeks high quality assets that produce dividends or distributions. Fixed Income, Utilities, Infrastructure, and real estate backed funds and investments may be used to create a desired portfolio. Income objective – 3% to 4% annualized income targeted.

Moderate Strategy- Allows for moderate volatility in funds or investments but continued goal of capital preservation. Same general asset classes and sectors as conservative strategy. Income Objective – 4% to 5% annualized income targeted.

High Yield Strategy- Additional risk for additional yield. We can substitute daily liquidity to gain exposure to higher yielding opportunity sets. Generally, this strategy is used to produce needed income from portfolio to supplement living expenses. Income Objective- 5% (plus)

Asset classes/sectors/ funds utilized to build portfolios-

Fixed Income/Bonds

  • U.S. Government Treasuries
  • Agency -Backed Mortgage Securities
  • High Quality Corporate Bonds
  • Municipal Bonds
  • Other fixed income securities meeting the portfolio’s objective

Utilities

Funds or investments in core utilities like Power, Water, Renewable Energy

Infrastructure

Funds and investment in Airports, Data Centers, Wireless Towers, Toll Roads, Water Treatment

Real Estate

REITs- Public and Private

Funds that provide exposure to large, diversified portfolios of institutional quality assets

What characteristics we look for to qualify as an “Income Investment”

  • Provides a consistent, durable dividend or distribution
  • Risks profile meets the client’s volatility objective
  • Managers of fund or investment are experienced in their sector and have a track record of managing through different market cycles.

Once these characteristics are matched, we look for “total return” opportunity. This means we search for potential gains beyond the dividend/distribution.

Example: A fixed income fund is generating a 4% dividend and earns a price gain in the fund net asset value of 4%. The Total Return for the year is 8%.

Guaranteed Income Options

There are many different types of annuities available that can offer a guaranteed monthly income for life of an individual and spouse if desired.

Some people consider using an annuity as a “personal pension”. They can provide retirement income security.

Putting it all together

Creating retirement income for most people is really a financial planning process that requires thoughtful analysis and knowledge of all the income resources available. It is our experience that “stress testing” an income plan is the best way to have some level of peace of mind about your choices and decisions


ENVIRONMENTAL, SOCIAL, GOVERNANANCE
(ESG) INVESTING

We believe Greenbacker Capital has it just right in this article:
https://greenbackercapital.com/wp-content/uploads/2020/05/Stability-in-a-Storm-From-Pandemic-to-Climate-Crisis.pdf 

Our Services

Portfolio Management and Investment Advice

Conservative investment portfolios as created by Secure Retirement’s President and Chief Investment Officer, Richard Morey, brings all of his knowledge, skill and passion to making sure we have the best opportunities available for your individual needs and goals.

Investment Advice is provided based on your lifestyle needs and financial goals as well as personal preferences. Analysis of your existing investments will also help determine investment strategy recommendations.

Accounts are held at Charles Schwab and Co. Schwab is one of the largest financial institutions in the world. More importantly their service is exceptional and consistent. They are always on the forefront of technology to improve the customer’s experience.

We have partnered with Advizon, a division of YHLSoft, for integrated account management and reporting that helps us provide clients with in-depth summaries of their investment holdings and returns though a personalized, highly-secure web portal.

Think about financial planning as a reflection on what you and your family value in life. This process gives you the opportunity to ask questions and formulate a roadmap to lead to improved financial outcomes.

These financial planning services are included in our asset management fees.

Retirement Planning
Survivor Needs Planning
Education Expense Planning
Social Security Analysis
Long Term Care Expense Planning
Life Insurance Needs Analysis*
You have access to any of the services that you believe would be helpful. We will also make recommendations if we feel they will help.

*Note: Commissions are paid by the insurance company if we recommend and transact insurance on your behalf.

OUR APPROACH TO FINANCIAL & RETIREMENT PLANNING

Over many years helping our clients make sound financial decisions, we have identified the main “Retirement Planning Essentials”. These are the “boxes we need to check” to make sure we are collectively considering the most important financial aspects in retirement.

Why?

If we have not considered the risk of expenses that could de-rail our retirement income or savings, we leave ourselves vulnerable to unwanted consequences.

As investors, we are continually reviewing and anticipating risks. The risks in retirement can be magnified. Healthcare cost, the expenses that come with ageing and longevity, and securing income in retirement that will carry us through our life are the issues to understand and plan carefully for.

Suggested action for clients:

  1. Work with us to take an inventory of your retirement essentials.
  1. Together we will identify any gaps that you may want to address.
  1. We will create a plan (which is also a forecast) of your resources and how they may serve you throughout retirement.

The Benefits

  1. You will have more clarity about your potential future needs.
  1. You will have put your retirement resources to the “stress test”.
  1. Many of your anxieties and questions about your retirement plans will be answered.

The basic core portfolio will protect retirement money and target a return that is in excess of current inflation, allowing the portfolio to keep ahead of the  cost of living at a minimum.  Investments NEED to meet your goals. For example, if you need to:

  • Grow assets
  • Achieve above-average returns for growth
  • Make sure you have enough money for retirement
  • You have a long term investment time horizon
    You want a Conservative Growth Portfolio
    If you need:
    • To protect your assets
    • To receive regular income from your portfolio
    • To make your income producing assets last as long as you do

Wondering what to expect? (Hint: think informal, friendly and relaxed conversation)

  1. To have a productive meeting usually requires 45 – 60 minutes.
  2. We will talk about what You want to talk about; it’s your agenda.
  3. We will let you know what services and advice we can provide; we will also let you know what we CANNOT provide.
  4. If you would like our option on an investment or financial related question, we will provide it. If not we won’t.
  5. Our services, if you choose to engage them, are paid for by fees for the assests we manage. these will be clearly explained.

There is no pressure to “do” anything on your part. This meeting is for you to determine if we are a candidate to help you achieve your goals. If there is interest we will determine the next steps. If not, hopefully the time spent will have been productive.

 

Secure Retirement provides financial and investment advice as well as the management of our clients accounts. Our firm is paid a fee based on AUM (Assets Under Management). This fee is billed quarterly to the Charles Schwab custodial account holding client assets. 

For accounts under $1 million – our annual fee does not exceed 1.00%

For amounts  over  $1 million – our annual fee does not exceed 0.75%

Secure Retirement has a referral program through which other advisors refer clients to have their accounts managed by our firm. These fee structures are different from our above standard fee schedule. All fee schedules and details can be found in the ADV located on our website or available upon request.

Great communication equals a great relationship.
There are several formal communications for clients:

  1. The monthly “Economic and Market Update” by Richard Morey.
  2. Quarterly Comprehensive Statements
  3. 24×7 access to your accounts
  4. 24×7 access to our Financial Education Portal
  5. Live Events discussing current economic and investment trends.
  6. Personal one on one meetings
  7. We’re a phone call away

In other words, we want you to have all the access and information you want!

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

NEW CLIENTS

How to Become a Client

After your initial phone consultation with Richard or Jeff, you will be asked to email amber@secureretire.com your name and the type of account/s you would like Secure Retirement to manage.  You will receive a secure email with three forms for e-signature:

  1. Client Profile: The Client Profile is an important tool for your contact information and to document your wishes on how your account is to be managed.
  2. Advisor Agreement: This is the agreement between you and Secure Retirement Financial and Insurance Corporation. It communicates the duties and responsibilities of the firm and terms of engagement.
  3. Electronic Consent Form: To receive future communications from us via email rather than regular mail.

Once we have these forms back from you, we will send you the Charles Schwab application/s for e-signature. Once the account is open you will receive transfer paperwork and other forms for e-signature. 

What Happens Next?

As soon as your new account(s) opens, Judit or Amber will email you the details on next steps.  Schwab will email you a link to gain online access.  Schwab will also send out a prospectus on their money market fund. (They are required to send these out with every fund purchased. You do not need to keep these documents unless you wish).

Any transfer paperwork will be submitted to Charles Schwab immediately. Schwab will then submit the requests to your current institution.  This process usually takes approximately two weeks to complete.

Once your funds have arrived in your new Schwab account(s), we will make the necessary sales and purchases. This often occurs immediately, though the exact timing does depend on market conditions.  

For any assistance with online access to your Schwab account(s), please call Schwab Alliance at 800-515-2157. (See below for details on Schwab Alliance services.)

What Will You Receive from Secure Retirement?

Every month we send out an Economic & Market Update report.

Shortly after the end of each quarter we compile more detailed reports about our investments and account performance, along with a summary of your personal investment returns.  These can be found in the “Vault” section of your online portal. Your portal can be found at www.portal.secureretire.com — or by selecting Client Area from the main menu of our website.

Clients will receive login credentials to the Portal as part of the signup process. Your user name and password will be emailed to you, along with an explanation of how to use the portal.

You will occasionally receive invitations from us to special events to which all clients, their friends and family members are warmly invited. For the duration of the pandemic, these will be online events. 

You will also receive notice when we discover new opportunities to invest in private Real Estate Investment Trusts and related investments. These are described below under “Alternative Investments.”

Office Hours:

8:30 am – 5:00 pm Monday-Friday

Mailing Address:

Secure Retirement Financial
18 Crow Canyon Court, Suite 325
San Ramon, CA  94583

Phone: (925) 855-4300  
FAX: (925) 855-4630

Secure Retirement Staff Areas of Responsibility:

Richard Morey– (richard@secureretire.com) Richard’s primary responsibility involves managing our Charles Schwab accounts. Richard makes most of the trades in accounts. He also writes most of our economic and market analysis. 

Jeff Warren– (jeff@secureretire.com) Jeff assists with managing the Schwab accounts (he and Richard share a complete understanding of our Schwab account management). Jeff is also in charge of all aspects of our financial planning services. These services are provided to all clients, at no additional charge. They include:

  • Retirement Planning
  • Health care planning, including Medicare and long-term care
  • Insurance, including life insurance and annuities
  • Social Security income planning

In addition, Jeff is also in charge of all of our alternative investments (described in the section on “Alternative Investments”).

Amber Jenkins – (amber@secureretire.com

Judit Eriksson – (judit@secureretire.com

Amber and Judit are primarily responsible for our Schwab account administration and billing. They open all the new accounts, oversee transfers into accounts, and are the persons you should contact whenever you need to withdraw money from your account. Amber and Judit also make sure all clients who have Required Minimum Distributions from IRA accounts receive the appropriate amounts.

Dianne Warren–(dianne@secureretire.com) Dianne is in charge of the administration of our alternative investments. She also oversees communications with both clients and those referred to Secure Retirement, along with overseeing all our events.

Peter Eriksson — (peter@secureretire.com)  Peter is our Trading Specialist and manages the technologies used at Secure Retirement. He is our in-house webmaster and oversees the website portal as well. 

Who to Call or Email?

Richard Morey or Jeff Warren:

  • Investment Questions
  • Account Statement Review

Amber Jenkins or Judit Eriksson:

  • Schedule Appointments
  • Schwab Account Administration
  • Tax Forms, Statements
  • Account Withdrawals
  • Money Transfers
  • Billing

Jeff Warren

  • Retirement Plans and Social Security
  • Alternative Investments and REITS (see details below)

Dianne Warren

  • Alternative Investments and REITS Administration
  • Secure Retirement Events

Peter Eriksson 

  • Secure Retirement Technology
  • Client Web Portal
  • Trading
  • Website

Schwab Alliance
www.schwaballiance.com  

800-515-2157 – Call for help with any Charles Schwab website questions.

Schwab Alliance is where you will be able to view your account history, positions, transactions, balance, transfer and payment information, and monthly Schwab statements.

As soon as your Schwab account opens you will receive an email from Schwab containing a link to set up your Alliance access.  Click the “New User” link to begin the process.  

Please Note:  If you choose not to have electronic delivery of your documents the Electronic Equity Trade Commission (the cost to make trades) will be $19.95 per trade. (This fee does not apply to mutual fund purchases and sales.)

If you do choose electronic document delivery, there are no fees for trades. 

Secure Web Portal

Your current Schwab account balances are displayed in a convenient overview at www.portal.secureretire.com. Helpful performance metrics, secure document vault and many other features make the portal a useful resource.

Alternative Investments

Many of our clients like to complement their portfolio with investments that are not correlated to the stock or bond markets. Usually this comes in the form of real estate or other “real” assets. These alternatives offer diversification as well as opportunities for income and growth.

The most popular investment is a Real Estate Investment Trust or REIT. These allow investors to invest modest amounts of money to purchase shares. REITs started in 1960 to give individual investors more access to investing in commercial real estate. REIT’s usually buy many properties in a sector, such as apartment complexes, over a region or the entire country. Investors receive distributions that can be paid in cash or reinvested for additional shares. These investments are generally illiquid for 4-7 years.

We have invested in diverse market sectors, including apartments, healthcare, data centers, parking facilities, self-storage, renewable energy, and industrial and office buildings. 

1031 Exchanges – Taxes can be fully deferred on the sale of a rental or commercial property you own by exchanging for a like kind property. In addition to tax deferral, exchange properties can produce significant tax-advantaged income.

For more details and to receive information contact Jeff Warren.

Tax FAQ’s

*1099’s will be sent from Schwab, generally the 2nd week in February.

*You will only receive a 1099 on a tax deferred account (such as an IRA) if you made a withdrawal in the previous year.  All other brokerage accounts will receive a 1099. 

*Management fees are only tax-deductible on brokerage accounts (not tax-deferred accounts such as IRA accounts).  Fee totals can be located on the last page of your 1099. 

*All contributions to tax deferred accounts for the previous year need to be in a Schwab office by April 15th (or last tax date) or at Secure Retirement by April 14th. 


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.