We’ve Moved! 6121 Excelsior Blvd. St. Louis Park, MN 55416

Plan The Retirement
Of Your Dreams

We help people design a TaxSmart™ Retirement Plan so they can have the opportunity to live the retirement of their dreams without sacrificing their lifestyle.

“A good retirement plan not only starts off with where you’re at
today but can grow with you over time.”

JOE LUCEY, CFP®

Your Twin Cities Retirement Planners

Schedule a free conversation with a financial advisor at our Minneapolis headquarters in St. Louis Park, MN.

We also have a neighborhood office in Woodbury, serving our St. Paul and East Metro families.

Joe Lucey Image
Couple looking at tax savings

Could Your Retirement Tax Bill Be Too Big?

If you’ve saved for retirement in an IRA, 401(k) or other tax-deferred vehicle, you have a tax bill due in retirement. Do you know the size of your potential tax bill? Use our Tax Calculator to find out today.

KARE Logo
CBS Logo
FOX Logo
iHeart Radio Logo
PBS Logo
WCCO Logo
CNBC Logo

Enjoy Your Retirement
Without Worry

Joe Lucey Image

We believe who you are is just as important as your
finances when it comes to your ideal retirement.

Joe Lucey Image

But most financial firms take one of two approaches: growth or security.

Both routes come with significant risks.

If you go ultra-safe and focus on maintaining what you have, you could be forced to sacrifice your lifestyle as your savings get smaller or you experience an unexpected expense.

Meanwhile, if you focus solely on growing your wealth through investments, what happens if there’s a market crash like in 2008? When your assets deflate, you risk losing it all or being forced to scrounge by while you wait for the market to recover.

Even if you’re lucky enough to never experience a market crash during your retirement, your wealth can easily be drained away by taxes.

Joe Lucey Image

That's why we NEVER take an extreme, one-size-fits all approach.

Instead, we create an innovative retirement plan tailored to your goals,
your dreams, and your financial situation into account.

Joe Lucey Line

A TaxSmart™ Retirement Plan
a unique retirement plan for each
unique individual & family.

Joe Lucey Image

01

Income Planning

Joe Lucey Image

02

Investment Planning

Joe Lucey Image

03

Tax Planning

Joe Lucey Image

04

Health Care Planning

Joe Lucey Image

05

Estate Planning

Joe Lucey Arrow
Joe Lucey Image

Hi, I’m Joe Lucey

I am a CERTIFIED FINANCIAL PLANNER™ and founder of Secured Retirement – a retirement planning firm headquartered in Minneapolis. As a CFP® professional, our Twin Cities firm is held to a fiduciary standard, meaning we must put your interests above our own.

Our mission is to create comprehensive TaxSmart™ Retirement plans so you can maintain your lifestyle through retirement without having to stress about your finances.

Discover The Best Retirement Planning
Strategies to Achieve Your Ideal Retirement.

Learn more about your 401k, Roth IRA, Estate Planning And More!

Joe Lucey Image

Proactive Retirement Planning

Chances are, you’re in one of two camps when it comes to planning for retirement. If you’re being proactive, you’re addressing the coming challenges in retirement before they happen.

Joe Lucey Image

5 Big Tax Mistakes That Could Cost You an Arm and a Leg When You Retire

How much money have you saved for retirement? How much of it is inside an IRA, or 401K? Let’s say you’ve saved $250,000 in one of these tax-deferred accounts. You know it’s not really 250 grand, right?

Joe Lucey Podcast Logo

Tune In to Secured Retirement Radio

Now available on-demand for listening anytime, anywhere, on your favorite audio platforms!

Learn the Latest Tips To Achieve Your Best Retirement.

Joe Lucey Image

Your Library Of
Retirement Planning Books

Joe Lucey Book Image

Retiree’s social security guide

Your Blueprint to Maximize Mailbox Income By Joseph S. Lucey, CFP®, Foreword by Ed Slott, CPA®, America’s IRA Expert

New Tax Secrets

Your Personal Investing Advice to Reduce Future Tax Exposure By Joseph S. Lucey, CFP

Joe Lucey Book Image

Building Retirement Now

Your Secured Retirement Blueprint From Planning and Design to Execution
By Joseph S. Lucey, CFP®

Joe Lucey Arrow

50,000+ Hours of
Financial Planning Experience

Need insight from a retirement planning expert?
Click below to make a media inquiry today.

“It’s easy to be an advisor when everything is going well
but in times of crisis, that’s when you earn your stripes.”

KARE Logo
CBS Logo
FOX Logo
iHeart Radio Logo
PBS Logo
WCCO Logo
CNBC Logo
Joe Lucey Image
Joe Lucey Logo

“We plan for emergencies, so you’re always taken care of and your retirement is never threatened.”

Joe Lucey Image

Danielle Christensen

Paraplanner

Danielle is dedicated to serving clients to achieve their retirement goals. As a Paraplanner, Danielle helps the advisors with the administrative side of preparing and documenting meetings. She is a graduate of the College of St. Benedict, with a degree in Business Administration and began working with Secured Retirement in May of 2023.

Danielle is a lifelong Minnesotan and currently resides in Farmington with her boyfriend and their senior rescue pittie/American Bulldog mix, Tukka.  In her free time, Danielle enjoys attending concerts and traveling. She is also an avid fan of the Minnesota Wild and loves to be at as many games as possible during the season!