Secure Retirement Financial - San Ramon, California

Sonia S.

My husband and I have been with Secure Retirement for quite a few years. We entered into this relationship not knowing what to expect or where it would lead... We have not been disappointed. Richard and Jeff have proven to be very knowledgeable in their field.
With our retirement coming closer and closer, we feel more ready for what awaits us than we would be without them.
With wonderful staff working with them, we always feel welcome when we go into the office.
My husband and I have in the past and will continue to recommend Secure Retirement to anyone seeking financial assistance leading up to retirement and beyond.

Scott P.

Well, where do I start? Let’s start back in 2000. I was my own super star investor. I rocked it with 80% gains one year. This was with the security for my future. I was doing awesome… until I wasn’t. I lost over 70% of my valuable retirement 401k in the Dot.Com crash. It took me 10 years to just get back to parity. It taught me a few very valuable lessons in investing, the main one being “I Suck At It”. In 2007 a person at work brought Richard to my attention and we attended one of his dinners where he presented his philosophy toward investing retirement accounts. His main objective is to try and never lose your clients’ money. Granted that can never be guaranteed but he definitely tries his best. We decided to move our Fidelity accounts to Secure Retirement for him to manage since I was actually getting closer to retirement. Soon after we did, the 2007 financial crisis hit. Remember what happened in 2001-2001 with me? Cruised right through it with some gains to boot. One person I follow made a comment that “they” always say you don’t want to miss the best up days of the market. But you REALLY want to miss the worst down days which we did and I could put 2001 behind me. It can be frustrating when others you know are making far more gains in their account than you may currently experiencing but recently I spoke with a person that last year was telling me they were doing great. They made over 20%. Well just recently they are very frustrated that they have lost 30% this year (and possibly more to come). I believe that Richard and Jeff truly have their client's best interest in mind at all times. I would like to address a previous comment regarding “recommending worthless REIT’s”. Jeff researches these things to death and does his best to bring the ones to the table that hopefully will provide good returns but still can never be guaranteed. We are currently in two of them. Yes, it took a couple more years than anticipated before the first REIT we bought liquidated (Pandemic maybe?) but our first “Worthless REIT” just funded and returned 168%. Patience (even though it is not my strongest suit). Speaking for myself, you have an emotional attachment to your retirement savings since it may be your lifeline and putting that responsibility with Richard and Secure Retirement has been very helpful. If you are considering Secure Retirement I would recommend setting up an appointment to talk with them because YOU need to feel comfortable and it is YOUR money.

Dr. D. A.

I know I am very well taken care of by Secure Retirement and feel safe, about my retirement assets, which have increased in value over the years. Jeff and Richard are immediately responsive when I call or email, and we get right on whatever the task is or the decision to make.They are receptive to my ideas and advise me well on them. I really appreciate the variety of options available and the honest, informed, and sound advice they give. I am especially happy with the growth and good work of the environmentally and socially responsible funds & stocks In which I have invested. I have had a number of financial advisors over the years, and absolutely none provide the full range of care and services and generous time and knowledge that they offer at Secure Retirement. I am so fortunate to have found them.

John C.

I have been a client of Secure Retirement now for over 10 years. I had used a number of financial advisors over a number of years previously. I can say without doubt that Richard Morey and his staff at Secure Retirement are heads and shoulders above any other financial advisor I have ever used (or, frankly, been personally aware of). His approach of principal protection matched with optimized returns across all types of financial / market environments has turned out to be the perfect approach for investors near / at / in retirement. The entire staff at the firm is helpful, nice and someone is always available to take questions, provide information and data and they always render service virtually right away in all cases. We have always found the firm to be incredibly helpful at tax time in pulling together data and information requested by tax accountants relative to the filing of returns. Also, Richard is always available over the phone or via email to provide information, guidance, answer questions and - generally - provide all manner of support relative to the accounts being managed and even assets that reside outside of those accounts. What is especially powerful here is Richard's approach to strict risk management using proven complex mathematical modeling and extensive research into historical market and economic performance trends. This has proven to be a very successful approach - and NOT what so many advisors offer, that is, canned information and data given to them by some investment / mutual fund company for whom they act as an exclusive sales agent. Richard and his firm are totally independent financial advisors - they work with any product that their detailed and extensive analysis indicates stands a good chance to provide solid returns in whatever financial and economic environment exists at that moment in time. So, in summary, I have found Secure Retirement to be a very solid firm to work with under any circumstances with which investors may be confronted and would recommend the firm to anyone looking for a first rate, honest, competent and productive investment advisory service.

Dalen T.

We have been so blessed to have found Secure Retirement! Richard and Jeff have so much to help us set ourselves up financially for both the future and monthly income. They are always and email or a phone call away when I have a question and are alway happy to help me understand and learn about this complex field. We truly trust both Richard and Jeff, as well his their team to always have our best interests in mind and to work hard in helping us achieve our financial goals!

Roger C.

Secure Retirement is a secure and flexible approach to handle your investments. I trust the entire team to continue to make outstanding investment decisions during the most challenging times. Secure Retirement is focussed on ensuring your wealth suffers no loss but rather continues to make gains, even in the worst times. The entire team are professionals and well known in the industry. I highly recommend Secure Retirement for your for your long-term investments.

Ruth S.

I gave this firm 1star rating because no stars isn't available. I'll post non professional offensive statements in the next few months when my health is better.

9/9/21
I'm not surprise that I'm thinking about how Richard snookered me and stole my money.
I always contacted him within 2 days of coming out of flareup. He would say something like you are good. I always asked for the report. Show me the money!

Today is my first day out of a Fibromyalgia flareup. Richard has single handedly caused every flareup to spiral out of control due to stress and knowing that I'm disabled and Richard is mismanaging my money while his money is growing. I asked him several times how his portfolio was doing to look at growth opportunities.

Has anyone else lost money the past 5 years? He couldn't even return a red cent (Mama's words.) If yes, how did you handle it?

I'm working with a firm to do a complete portfolio analysis.

Sorry for typos. My vision is blurry which is part of Fibromyalgia flareups,

I'll share the offensive and non professional comments once I'm better.

Reynold V.

Always available for personal interaction. As a longtime client I find the team at Secure Retirement extremely caring and helpful when questions arise .