{"url":"https://nivawealth.com/firms/secure-retirement-financial-and-insurance-services-132777","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/132777","regulatoryAum":101995843,"crd":"132777","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7590313","suffix":null,"lastName":"JENKINS","firstName":"AMBER","middleName":"ALLEN"},{"crd":"2768618","suffix":null,"lastName":"MOREY","firstName":"RICHARD","middleName":"REE"},{"crd":"5616071","suffix":null,"lastName":"WARREN","firstName":"JEFFREY","middleName":"MICHAEL"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-07-21","regulatoryAum":100473381,"clients":276,"employees":5,"offices":1},{"filedOn":"2023-06-28","regulatoryAum":101335861,"clients":257,"employees":5,"offices":1},{"filedOn":"2024-05-01","regulatoryAum":96627501,"clients":230,"employees":5,"offices":1},{"filedOn":"2025-05-27","regulatoryAum":84695885,"clients":208,"employees":5,"offices":1},{"filedOn":"2026-04-01","regulatoryAum":101995843,"clients":211,"employees":5,"offices":1}],"secFileNumber":"801-125823","legalName":"Secure Retirement Financial & Insurance Services Corp.","displayName":"Secure Retirement Financial & Insurance Services","slug":"secure-retirement-financial-and-insurance-services-132777","website":"https://secureretire.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"2333. San Ramon Valley Boulevard, Suite 250","city":"San Ramon","state":"CA","stateName":"California","country":"United States","postalCode":"94583"},"tradeNames":[],"registration":{"secApproved":"6 June 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":483392.6208530806,"staff":{"employees":5,"advisory":3,"brokerDealerReps":1,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":101995843,"discretionary":101995843,"discretionaryAccounts":481,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":187,"regulatoryAum":42245657},{"label":"High-net-worth individuals","clients":24,"regulatoryAum":59750186}],"feePrograms":[],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T13:09:57.119304+00:00","documents":[{"name":"SECURE FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1039757","versionId":1039757,"submittedOn":"2026-04-01"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":101995843}],"custodyNote":"Secure Retirement Financial & Insurance Services has custody of $102M for 212 clients.","otherCustodians":[],"leadership":[{"name":"Richard Morey","title":"President","crd":"2768618"},{"name":"Peter Eriksson","title":"Chief Compliance Officer","crd":"8065082"},{"name":"Jeffrey Warren","title":"Shareholder","crd":"5616071"}],"ownership":[{"label":"Jeffrey Warren","detail":"Shareholder in the 25% to 50% ownership band, since February 2023."},{"label":"Richard Morey","detail":"President in the 50% to 75% ownership band and a control person, since January 2003."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"2333. San Ramon Valley Boulevard, Suite 250","city":"San Ramon","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"925-855-4300","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Educational seminars/workshops"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":29},{"label":"U.S. government/agency bonds","percent":1},{"label":"Derivatives","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":64},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"1 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/132777/PDF/132777.pdf","brochureDate":"1 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1039757","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Secure Retirement Financial & Insurance Services have?","answer":"Secure Retirement Financial & Insurance Services has 211 clients and manages $102 million for them, as of April 2026. They include 187 individual clients and 24 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Secure Retirement Financial & Insurance Services offer?","answer":"Secure Retirement Financial & Insurance Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Secure Retirement Financial & Insurance Services use?","answer":"Secure Retirement Financial & Insurance Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $102M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Secure Retirement Financial & Insurance Services have?","answer":"Secure Retirement Financial & Insurance Services has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 3 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Secure Retirement Financial & Insurance Services invest in?","answer":"At the end of its last fiscal year, Secure Retirement Financial & Insurance Services’ separately managed accounts held 64% registered funds (mutual funds, ETFs, BDCs), 29% exchange-traded equities, 4% cash and equivalents, 1% U.S. government and agency bonds and 1% derivatives.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Secure Retirement Financial & Insurance Services?","answer":"Secure Retirement Financial & Insurance Services’ direct owners are Jeffrey Warren (25% to 50%) and Richard Morey (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Secure Retirement Financial & Insurance Services get paid?","answer":"Secure Retirement Financial & Insurance Services is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Secure Retirement Financial & Insurance Services?","answer":"Secure Retirement Financial & Insurance Services’ main office is at 2333. San Ramon Valley Boulevard, Suite 250, San Ramon, CA 94583. Its phone number is 925-855-4300. Its website is secureretire.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}