Secure Wealth is a investment adviser based in Boca Raton, FL, that holds a 75.7/100 Fidelon TransparencyScore (th percentile), with 4 registered advisors. Score based on public SEC and FINRA filings.
Secure Wealth
Secure Wealth, INC. · CRD #290572
A registered investment adviser held to a fiduciary standard.
Fidelon Fact Sheet
Secure Wealth, Inc. used to be called Secure Wealth Planning Group. It is an investment adviser in Boca Raton, Florida that charges 2% of assets per year. The firm helps clients with financial planning and retirement accounts such as 401k and 403b plans. It serves high net worth individuals and pension plans. The firm reports custody, which means it or a related party can hold or access client funds. It requires a $250,000 account minimum. The firm has regulatory disclosures on file.
How This Firm Works
Registration & Standard of Care
Investment Adviser — this firm is a registered investment adviser, held to a fiduciary standard — legally required to act in clients' best interests.
How This Firm Gets Paid
- Charges a percentage of assets under management
- Can earn money selling products alongside advice — the product company pays that, so it never appears on an advisory invoice
What you’d pay
Your balance falls in the All accounts band, charged at 2.00% on the full amount.
Not included above
- • Custodians may charge transaction fees on purchases or sales of certain mutual funds, equities, and exchange-traded funds. Mutual funds, money market funds and exchange-traded funds also charge internal management fees, which are disclosed in the fund’s prospectus. Secure Wealth does not receive any compensation from these fees. Secure Wealth offers these seminars for a fee of no more than $50 plus the cost of books and materials presented. For financial planning: hourly fee of $250 per hour. Fees for financial plans are billed 50% in advance with the balance due upon plan delivery. For ERISA: annual fees based on the market value of the Included Assets and will not exceed 1%. For TPMs: various fees including technology fee of $3.50/month per account.
Estimated from the firm’s Form ADV Part 2A brochure — not a quote. Actual fees are set in your agreement and may differ. Costs charged by others (custodians, fund managers) are not included.
What This Firm Charges
| Account Size | Annual Fee |
|---|---|
| All accounts | 2.00% |
Billed monthly in arrears
Extracted from Form ADV Part 2A brochure
Specializations
Extracted from Form ADV Part 2A brochure
Who They Typically Serve
Extracted from Form ADV Part 2A brochure
Key Findings
Strengths
- Registered as investment adviser with fiduciary obligation
Things You Should Know
- 1 regulatory complaint in public regulatory filings
- Fee disclosure could be more detailed — regulatory filings describe fee schedules and service terms less clearly than top-scoring peers
Conflict Audit
Our analysis identified 2 potential conflicts of interest in regulatory filings.
Source: Form ADV Part 1, Items 6-8; Part 2A, Items 10-14
What this firm says about how it gets paid
“the more assets you have in your advisory account, the more you will pay us and thus we have an incentive to increase those assets in order to increase our fee”
Source: the firm’s own Form CRS — quoted directly
Regulatory Track Record
1
Disclosures
$0
Total Fines
Clean record — no fines found
Regulatory Events
TransparencyScore Dimensions
Disclosure Record
Customer complaints, arbitrations, and fines. Frequency and recency matter.
100/100
Strong
Avg for investment adviser firms: 82.6 | Top 10%: 99.5
Filing Quality
How clearly the firm describes services, fees, and investment approach in regulatory filings.
76/100
Fair
Avg for investment adviser firms: 84.1 | Top 10%: 100
Conflict Disclosure
How openly the firm explains who pays it and what it's paid to sell. The conflict isn't the problem — hiding it is.
77/100
Fair
Avg for investment adviser firms: 54 | Top 10%: 67
Enforcement History
Self-reported legal and disciplinary history from Form ADV Item 11.
100/100
Strong
Avg for investment adviser firms: 99.7 | Top 10%: 100
Next Steps
Advisor Roster
4 advisors
| Advisor | CRD | Score | Grade |
|---|---|---|---|
| Renan Morven Guillou | 6742704 | — | — |
| Menelaos Nikolaos Fotiou | 7531299 | — | — |
| Brian Eugene Kelca | 1348914 | — | — |
| Richard Scott Ehrlich | 1500250 | — | — |
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Frequently Asked Questions
What does the TransparencyScore measure?
The TransparencyScore measures how clearly and completely an advisor or firm discloses important information in their regulatory filings — things like fees, conflicts of interest, disciplinary history, and business practices. A higher score means better disclosure quality, not better investment performance.
Where does this data come from?
All data comes from public regulatory filings: SEC Form ADV (Parts 1, 2, and 3), FINRA BrokerCheck, and the SEC's Investment Adviser Public Disclosure (IAPD) database. These are official filings that firms and advisors are legally required to submit.
Does a low score mean they're a bad advisor?
Not necessarily. A low score means the firm's public filings are less transparent — they may use vague language about fees, skip details about conflicts, or have a more complex regulatory history. Some excellent advisors work at firms with poor disclosure practices. The score measures the filing, not the person.
How often is this data updated?
Fidelon refreshes data from SEC and FINRA sources on a regular schedule. Form ADV filings are updated annually by firms (with amendments throughout the year), and BrokerCheck data is updated as events are reported. Scores are recalculated after each data refresh.
Can an advisor or firm improve their score?
Yes. Scores are based on what's in public filings. A firm that rewrites its ADV brochure in clearer language, discloses conflicts more specifically, or resolves outstanding regulatory issues will see its score improve at the next refresh. The incentive structure is intentional.
Data Sources
Scores are generated using Fidelon's published scoring methodology and reflect the quality of public disclosures, not the quality of investment advice. A firm that improves its disclosures will see its score improve. Fidelon does not provide investment advice.
Verify on SEC IAPD
Last scored: · Score version: 3.8 · CRD #290572