Overview
Secure Retirement Financial & Insurance Services (“SRF”) is a state registered investment adviser firm
established in 2004 to provide investment advisory and financial planning services to individuals,
pensions and profit-sharing plans, trusts, estates, and charitable organizations (“clients”).
Principal Owners
Richard R. Morey and Sherry D. Morey are the trustees of a trust which owns 70%, and Jeffrey Michael
Warren owns 30% of the SRF stock. Notwithstanding the ownership by the trust of the firm’s stock, the
firm’s management and control rests solely in the hands of Grantor Richard R. Morey.
Types of Advisory Services Offered
SRF Investment Advisory Services
SRF offers clients investment advisory services as covered in the Investment Advisory Agreement (“IAA”)
where each client’s investment account and portfolio is managed on a regular and continuous basis.
SRF may assist clients in determining, among other things, suitability, investment objectives, goals, time
horizons, and risk tolerances. As part of the investment advisory services, SRF may provide personalized
or corporate financial planning services as segmented (limited) financial plans, investment plans, and/or
individual consultations regarding a client’s financial affairs. Financial planning is complimentary to
investment advisory clients who make use of the service and a written financial plan is not delivered in
every engagement. The design and implementation of a financial plan may begin with the process of
gathering data regarding income, expenses, taxes, insurance coverage, retirement plans, wills, trusts,
investments and/or other relevant information pertaining to a client’s overall financial situation. This
information is carefully analyzed, taking into account a client’s goals and stated objectives, and a series
of recommendations and/or
alternative strategies will be developed.
SRF Referral Program
SRF may also provide investment advisory services to clients referred by independent investment
advisors. SRF will enter into an agreement directly with the client to provide these services.
Retirement Account Advice
When we provide investment advice to you regarding your retirement plan account or individual
retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income
Securities Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws
governing retirement accounts. The receipt of our advisory fee for making a recommendation creates a
conflict of interest under ERISA/IRC with your interests, so we operate under a special rule that requires
us to act in your best interest and not put our interest ahead of yours. For example, if we recommend
that you rollover assets from one retirement account to another and we will receive increased
6 SRF Brochure March 19, 2024
compensation as a result of that recommendation, we have a conflict that requires us to operate under
this special rule.
Tailored Services and Client Imposed Restrictions
SRF will tailor its advisory services to the specific needs and objectives of each advisory client. Clients
may also impose restrictions on investing in certain securities or types of securities. Restrictions are
generally covered in the client’s investment advisory agreement and must be made in writing.
SRF does not participate in a wrap fee program at this time.
Assets Under Management
SRF manages client assets in discretionary accounts on a continuous and regular basis. As of
12/2023, the total amount of assets under our management was:
Discretionary Assets $ 96,627,501
Non-Discretionary Assets $ 0
Total Assets $ 96,627,501