Secure Retirement Advisors, LLC

Secure Retirement Advisors, LLC provides personalized financial planning and consulting to individuals as well as pension and profit‑sharing plans, trusts, estates, and charitable organizations, and occasionally serves corporate or business clients. The firm delivers advice through consultations, prepares written plans and investment policy documents, and assists with account opening and transfers but does not accept discretionary authority to directly manage client assets.

The firm’s planning process uses fundamental, technical, and cyclical analysis to tailor recommendations to each client’s objectives and risk tolerance, and it documents those objectives in Investment Policy Statements or risk‑tolerance forms. Rather than managing portfolios in‑house, Secure Retirement Advisors refers clients to a single third‑party money manager under a written solicitor arrangement and relies on that manager and custodians for ongoing trading, monitoring, and client reporting.

Noteworthy features include an affiliation with an insurance business operated by the firm’s managing member, which provides a substantial portion of the firm’s revenue and is disclosed as a potential conflict of interest when insurance products are recommended. The firm’s business model—providing hourly planning, not charging a direct percentage‑of‑assets fee, and not providing portfolio management itself but instead referring to one third‑party manager—is uncommon among independent advisory firms.