Secured Retirement Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Secured Retirement Advisors reports 602 clients. They include 536 individual clients and 66 high-net-worth individuals. Of its assets, 100.0% ($255M across 1,732 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 89% | 57% |
| High-net-worth individuals | 11% | 43% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 536 | $145M | 56.7% | $270K |
| High-net-worth individuals | 66 | $110M | 43.3% | $1.67M |
| Total | 602 | $255M | 100% | $424K |
- Clients
- 536
- Regulatory AUM
- $145M
- AUM share
- 56.7%
- Avg. per client
- $270K
- Clients
- 66
- Regulatory AUM
- $110M
- AUM share
- 43.3%
- Avg. per client
- $1.67M
Total
- Clients
- 602
- Regulatory AUM
- $255M
- AUM share
- 100%
- Avg. per client
- $424K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Secured Retirement Advisors charges 0.50%–1.50% a year for its Portfolio Management Services. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Broad-based financial planning is a fixed fee of $500 to $25,000; modular hourly consulting is $500 per hour, negotiable.
- Pension Consulting
- Pension consulting is billed on the portfolio management percentage schedule or as a fixed or hourly fee, negotiable.
Secured Retirement Associates, LLC owns 75% or more of Secured Retirement Advisors and is in turn owned by Joseph Lucey (75% or more). The leadership team of Secured Retirement Advisors includes Chief Compliance Officer Joseph Lucey. It has 6 employees, 4 of them in advisory roles.
Leadership
- Joseph LuceyCEO/Chief Compliance Officer
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
- Henry Eilefson
- Ryan Matthew Fossey
- Joseph Scott Lucey
- Dylan Lowell Malberg
- Michael Paul Poissant
Staff
- 6 employees
- 4 in advisory functions
- 4 state-registered reps
- 6 insurance agents
- Owns 75% or more of Secured Retirement Advisors, LLC
Secured Retirement Associates, LLC
Control person · since May 2007
- Owns 75% or more of Secured Retirement Associates, LLC
Joseph Lucey
Control person · since May 2007
Secured Retirement Advisors’ regulatory assets grew 2.1× from $122M (July 2021) to $255M (February 2026); clients rose from 469 to 602 and employees were 6 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $255M | 602 | 6 | 2 |
| March 2025 | $228M | 615 | 9 | 2 |
| June 2024 | $190M | 582 | 11 | 2 |
| February 2023 | $146M | 541 | 8 | 2 |
| July 2022 | $140M | 474 | 11 | 1 |
| July 2021 | $122M | 469 | 6 | 1 |
Besides its headquarters, Secured Retirement Advisors has 1 office, with 2 listed addresses in Minnesota.
Minnesota · 2 listed addresses
- 6121 Excelsior BLVD, St Louis ParkHQ
- 724 Bielenberg Drive, Woodbury
Contact and registration details
- Legal name
- Secured Retirement Advisors, LLC
- Headquarters
- 6121 Excelsior BLVD, St Louis Park, MN 55416
- Website
- securedretirements.com
- Phone
- 952-460-3260
- @secured-retirement
- SEC file
- 801-121760
- Structure
- Minnesota LLC
- Fiscal year end
- December
Secured Retirement Advisors uses Charles Schwab ($255M) as custodian for its separately managed accounts. Secured Retirement Advisors does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $255M100%
At year end, Secured Retirement Advisors’ separately managed accounts were mostly in stocks (75%) and funds (12%). Its reported 13F holdings for the quarter ended 30 June 2026 total $195M across 134 positions; the largest are EA Series Trust (4.4%), Nvidia Corporation (3.7%) and Apple Inc. (3.7%).
What the accounts hold
- Stocks75%
- Funds12%
- Bonds5%
- Cash10%
Reported 13F holdings
- $195M
- Reported 13F value
- 134
- Positions
- 25.4%
- In the 10 largest
- +10.3%
- Value vs. prior quarter
- EA Series Trust · Strive 500 ETF4.4%
- Nvidia Corporation3.7%
- Apple Inc.3.7%
- Pimco ETF TR · Active BD ETF2.7%
- Microsoft Corp.2.4%
- Cisco Sys Inc.2.0%
- Alphabet Inc. · Cap Stk CL A1.7%
- Caterpillar Inc.1.7%
- Meta Platforms Inc. · CL A1.6%
- Amazon Com Inc.1.5%
Together, the ten largest are 25.4% of reported value.
How many clients does Secured Retirement Advisors have?
Secured Retirement Advisors has 602 clients and manages $255 million for them, as of February 2026. They include 536 individual clients and 66 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 February 2026
What services does Secured Retirement Advisors offer?
Secured Retirement Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Secured Retirement Advisors charge?
Secured Retirement Advisors charges 0.50%–1.50% a year for its Portfolio Management Services. The fee is billed in arrears and is negotiable.
Source: SECURED RETIREMENT ADVISORS, LLC ADV BROCHURE, filed 23 February 2026
Which custodians does Secured Retirement Advisors use?
Secured Retirement Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $255M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 February 2026
How many financial advisors does Secured Retirement Advisors have?
Secured Retirement Advisors has 4 investment adviser representatives registered with state securities authorities, out of 6 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 6 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
What does Secured Retirement Advisors invest in?
At the end of its last fiscal year, Secured Retirement Advisors’ separately managed accounts held 75% exchange-traded equities, 12% registered funds (mutual funds, ETFs, BDCs), 10% cash and equivalents and 5% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Secured Retirement Advisors?
Secured Retirement Advisors is owned through a holding company by Joseph Lucey. Its direct owner is Secured Retirement Associates, LLC (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 23 February 2026
How does Secured Retirement Advisors get paid?
Secured Retirement Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. 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
How do I contact Secured Retirement Advisors?
Secured Retirement Advisors’ main office is at 6121 Excelsior BLVD, St Louis Park, MN 55416. Its phone number is 952-460-3260. Its website is securedretirements.com.