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Secured Retirement Financial Blog


We help individuals and families work toward achieving their ideal retirements.

A Look at the Current State of the Market

By Joseph Lucey | January 22, 2016 |

  This has certainly been a difficult few weeks in equity markets to say the least. With levels pushing -10% correction territory yet again, investors may be struggling to make sense of things and are looking for answers. In some market declines, a single culprit is easy to identify; in others, it’s less obvious. This might…

What is Your Risk Capacity?

By Joseph Lucey | January 20, 2016 |

  On the January 16th, 2016 Secured Retirement Radio Show, Joe Lucey and Derek Fautsch talked about retirement planning and, in part ; different elements of risk.   For those entering retirement,   it helps to do a risk analysis to determine a custom financial plan. The first question we often ask or clients is “what is your…

Information is Power

By Joseph Lucey | January 12, 2016 |

On the January 9th show, Joe Lucey and Derek Fautsch covered recent market fluctuations and portfolio reviews.    The market dipped in the past week. Usually, when that happens, some get nervous about their portfolios, seeking either assurance or solutions. Terms like “scared” and “crisis mode” were used to describe the condition of investors who search…

Resolve and Resolutions

By Joseph Lucey | January 12, 2016 |

On the January 2nd show, Joe Lucey and Derek Fautsch covered New Year’s views on transformations vs. transactions, financial product pros and cons, and 5 Star Planning and the recent changes to Social Security.   Make retirement planning a part of your 2016 strategy. Here are a few suggested resolutions for the New Year; Consider a…

Defining Terms, Defining Moments

By Joseph Lucey | December 23, 2015 |

This past Saturday, Joe Lucey and Derek Fautsch covered the federal interest rate increase, recent changes to Social Security, holiday gift giving and more on our radio show. During the program, some familiar and not-so-familiar financial terms were used.  Retirement, finance, and especially Social Security are full of phrases we understand to a varying degree. Take Social Security…

Football and the 5-Star Plan

By Joseph Lucey | December 8, 2015 |

– Renowned retirement expert Ed Slott was a guest with Joe Lucey on Secured Retirement Radio Saturday, December 5th, ,2015. Ed spent time talking about retirement in the context of football. He encouraged listeners to think of retirement as the 2nd half of a game. You’ve accumulated points in the first half and during the…

Time to Sell the Pinto

By Joseph Lucey | December 8, 2015 |

Think of retirement planning as akin to replacing an old trusty vehicle, only in this case, you’ve been driving the current one for 30 years.  Your financial plan has served you well and helped you save for retirement. From the days of your education, through early jobs, throughout the span of your eventual career you’ve…

Investing in our community, one meal at a time

By Joseph Lucey | November 25, 2015 |

During this hectic time of year, it’s important to take a step back and reflect on what’s truly important. To us, the greatest investment we can make is to invest in our community. This holiday season, Secured Retirement Financial had the privilege of partnering with Second Harvest Heartland to provide 15,000 meals across St. Louis…

The Office, Giving and Gratitude

By Joseph Lucey | November 17, 2015 |

The holidays are coming, and I am reminded of the popular television series “The Office. In one episode, Michael Scott dropped an IPod into the Secret Santa pool, landing amongst packs of gum and pocket combs. Next, Creed tossed in an old shirt. The extremes wreaked havoc over the holiday spirit, and I recall that liquid…

Wild Cards

By Joseph Lucey | November 10, 2015 |

When playing poker, one can have a great hand the whole game, and assume they are in great shape. Suddenly, with one wild card, the player finds him or herself on the short end of the money. Sound familiar? It should because it’s similar to the recent changes to Social Security legislation.    With changes in…

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