Secure Asset Management, L.L.C.

Secure Asset Management, L.L.C. primarily serves individual clients — including both non‑HNW and high‑net‑worth households — offering personalized financial planning and discretionary investment management alongside pension consulting for retirement plans. Services described in the brochure include investment policy development, cash‑flow and tax planning, estate planning support, portfolio management, and participant‑level 401(k) consulting.

The firm typically implements discretionary strategies guided by written Investment Policy Statements and periodic reviews, using fundamental, technical and cyclical analysis and a mix of long‑ and short‑term tactics where appropriate. SAM frequently uses third‑party money managers and trading signals, and it manages “held‑away” employer accounts through a third‑party platform (Pontera), requiring clients to connect and maintain links for ongoing access and rebalancing.

Noteworthy distinctions include the firm’s client mix and operational arrangements: despite offering retirement‑plan services, SAM’s brochure does not list corporate or charitable organizations as client types, which is less common for an enterprise adviser of its size. The firm also discloses affiliations with mortgage, tax and an affiliated broker‑dealer, the use of solicitor relationships and fee‑sharing with third‑party managers, and the provision of held‑away account management — operational features that prospective clients may want to review alongside the firm’s scale (about $890 million in assets under management and over $2.18 billion under advisement).