Secure Retirement

Name

Secure Retirement

Legal name

Secure Retirement Financial

Website

https://secureretire.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Retirement Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAAAAAJ

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAEABAH

Annuity & Insurance-Based Retirement Solutions Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Retirement planning
• Investment advisory
• Portfolio management
• Wealth management
• Income planning

Headquarters

HQ city

San Ramon

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Investment Advisory Services: Fee-based investment advisory services provided as a registered investment adviser. Services include portfolio management, retirement planning, and income planning strategies.
2. Insurance Products and Services: Annuities, life insurance, and long-term care insurance products offered and sold through Secure Retirement Financial and individually licensed insurance agents.
3. Securities Distribution: Securities offered through Crown Capital Securities, L.P., a registered broker-dealer. Investment advisory services provided alongside securities products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Secure Retirement is a registered investment adviser that provides personalized retirement planning, income planning, portfolio management, and risk-managed investment strategies (including its proprietary TAP/AMMA macro allocation framework, advanced hedging, and bond market guidance) to individual clients and families. The firm also places insurance products (fixed annuities, life insurance, long-term care insurance) and offers 1031 exchange tax-deferral advisory, all delivered through direct advisor relationships out of its San Ramon, California headquarters.

Product overview

Secure Retirement is a registered investment adviser offering a comprehensive suite of retirement-focused financial services. The company provides eight core service offerings including Income Planning, Retirement Planning, Insurance, Advanced Hedging, Bond Markets, Macro Strategy Portfolio, The New Economy, and 1031 Exchange Services. Their investment strategies include the Actively Managed Macro Allocation (AMMA) growth strategy and Tactical Allocation Portfolio (TAP). They also offer a client portal for account management and fixed annuity products for guaranteed lifetime income. The overall approach combines strategic asset allocation, macroeconomic analysis, and actively managed portfolio oversight tailored to retirement needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Creating a blueprint for meeting financial goals throughout retirement, including tax-efficient investment strategies, Social Security optimization, and risk management. Targeted at individuals and families approaching or in retirement.
• Income Planning Forecasting retirement income needs and generating consistent income through a diversified mix of fixed income and income-oriented equity positions, with an actively managed strategy focused on earning interest and dividends rather than drawing down principal. Targeted at retirees seeking reliable cash flow.
• Insurance Annuities, life insurance, and long-term care insurance products offered through Secure Retirement Financial and individually licensed insurance agents to help protect financial choices and provide guaranteed lifetime income. Targeted at retirees and pre-retirees.
• Fixed Annuity Products Fixed annuity products that provide guaranteed lifetime income, with income amounts potentially growing but never decreasing. Distributed to clients seeking guaranteed retirement income streams.
• Advanced Hedging Versatile, cost-effective tools that can help hedge any portfolio against market risk. Targeted at investors concerned about market downturns affecting their retirement readiness.
• Bond Markets Insightful guidance with 25+ years of knowledge, expertise, and experience in bond investing. Targeted at clients seeking income and capital preservation through fixed income.
• Macro Strategy Portfolio (Actively Managed Macro Allocation / AMMA) A systematic approach focused on capturing gains and staying on the right side of market risk using quantitative macroeconomic signals, volatility-aware risk controls, and condition-based asset allocation. Pursues portfolio protection without sacrificing opportunity, identifying economic and market regimes through policy analysis, liquidity dynamics, and cross-asset market behavior. Targeted at clients seeking risk-managed growth.
• The New Economy Thematic investment focus on global energy transitions, AI, data centers, and infrastructure modernization. Targeted at clients seeking exposure to emerging structural economic themes within an active, risk-managed framework.
• 1031 Exchange Services Tax-deferral strategies for real estate investors allowing proceeds from sold properties to be reinvested into like-kind properties while deferring capital gains taxes. Targeted at real estate investors seeking tax-efficient wealth management.
• Client Portal A client-facing web portal for account access and management, powered by yHLsoft technology, enabling existing clients to view accounts, statements, and portfolio information. Targeted at current advisory clients of the firm.

Quantifiable outcome

• Client's $400,000 fixed annuity providing guaranteed $40,000 annual income for life
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Crown Capital Securities, L.P.coreChannel Partner/ Reseller/ DistributorSecurities offered through Crown Capital Securities, L.P., a registered broker-dealer and member of FINRA/SIPC. Crown Capital serves as the OSJ (Office of Supervisory Jurisdiction) for securities distribution, with location at 32244 Paseo Adelanto, Ste. D-2, San Juan Capistrano, CA 92675.
• Sound Income GroupcoreStrategic or Co-development PartnerCollaboration with Sound Income Group brings decades of experience and legacy of success to income strategies delivered to clients. Partnership focuses on income planning solutions and distribution strategies.

Scale indicators4 records

Recent moves2 records

Expansion highlights3 records

Broad incumbents

• Fisher Investments: Large active money manager serving individual investors with retirement and wealth-management mandates. Comparable as a competitor for retirees' discretionary AUM, though much larger and with a global institutional background.
• Carson Group: Large RIA and wealth management firm with a strong retirement-income and financial-planning offering. Comparable as it targets similar retirees and near-retirees through advisor partnerships, though at significantly greater scale than Secure Retirement.
• Edelman Financial Engines: One of the largest US RIAs, with retirement planning as a core focus area and a nationwide advisor footprint. Comparable target customer (retirees, near-retirees) and retirement income planning services, but operates at vastly greater scale.

Direct peers

• Buckingham Strategic Wealth: Boutique-to-mid-size RIA emphasizing evidence-based retirement and income planning for individual investors. Closely comparable model — fee-only advisory, retirement-income focus, and similar client segment to Secure Retirement.
• Wealthspire Advisors: Mid-size independent RIA providing comprehensive financial planning and portfolio management to individuals and families, including retirees. Highly comparable in service mix (planning, portfolio management, retirement income) and independent RIA model.
• Greenspring Wealth Management: Boutique independent RIA specializing in retirement income planning, tax-aware investing, and estate strategies for retirees. Closely comparable in size, mission, and target segment.
• Heritage Financial Services: Independent, fee-based RIA focused on retirement and legacy planning for individuals and families. Similar boutique scale, retirement-income focus, and personalized service model.

Emerging players

• Facet Wealth: Tech-enabled financial planning platform offering flat-fee retirement and wealth advice to mass-affluent households. Comparable retirement-planning offering, though delivered via a digital-first model rather than Secure Retirement's in-person advisory motion.

Others

• Focus Financial Partners: RIA aggregator and partnership platform for independent advisory firms, including retirement-focused RIAs. Relevant as a potential acquirer/partner and as a benchmark for independent-RIA M&A valuation, not a direct competitor to Secure Retirement.
• Allianz Life Insurance Company: Major fixed-annuity and life-insurance carrier whose products Secure Retirement distributes. Relevant as an upstream product partner rather than a direct competitor; a key supplier to Secure Retirement's annuity income solutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Secure Retirement