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Secure Financial Management
Secure Financial Management is an independent RIA founded by Jay Kirkwood in 2011, managing hundreds of millions for USAA retirees under a fiduciary...
Secure Financial Management
Jay Kirkwood started his career in 1999 at a brokerage in Brisbane, Australia, before moving to USAA. In 2011, he left to establish Secure Financial Management as an independent RIA registered with the SEC, focused on one-on-one client relationships free of bank or insurance ties (per the firm). The firm offers retirement planning, asset management, 401(k) administration, life transition and estate planning, and long-term care insurance—a suite built for retirees and near-retirees. The team includes CFP professionals Jacob McDonald and Tom Moore, who joined in October 2024 as VP of Wealth Management, along with operations, benefits, and support staff. The firm's professional roster includes 16 staff: advisors, operations, health solutions, and client relations. Kirkwood is a Certified Financial Planner and private pilot, has been featured in the Wall Street Journal and Texas Monthly. The firm does not disclose total AUM or deployment numbers. Its single office is in San Antonio, Texas, at 4630 De Zavala Road. A structural differentiator is Secure Financial Management's explicit fiduciary model. As an independent RIA, the firm claims it is legally obligated to put client interests first, avoiding conflicts that arise from bank, brokerage, or insurance company affiliations. This model is central to its marketing and is reinforced by Kirkwood's book "Wall Street's Game," which criticizes self-serving advisors. The firm's focus on USAA retirees indicates a niche client base with predictable retirement income needs.
General information
Firm type
RIA
Year founded
2011
AUM
Undisclosed
Location
Region
North America
Country
United States
City
San Antonio
Corporate office
4630 De Zavala Road, San Antonio, TX 78249, United States
Principals
Jay Kirkwood
Founder & CEO
Sector focus
Frequently asked questions
Who runs investment decisions at Secure Financial Management?
Jay Kirkwood, founder and CEO, oversees investment strategy and portfolio construction. He is a Certified Financial Planner and previously worked at a brokerage in Australia and at USAA before starting the firm in 2011. Advisors Jacob McDonald and Tom Moore also contribute to financial planning and asset management (per firm website).
How is Secure Financial Management structured as an RIA?
It is a federally registered investment advisor (RIA) with the SEC, bound by a fiduciary standard to prioritize client interests. The firm explicitly operates independent of any bank, insurance company, brokerage, or investment group to avoid conflicts of interest (per firm website).
What investment stages or asset classes does Secure Financial Management target?
The firm focuses on retirement planning and wealth management for individuals. Services include asset management, 401(k) administration, life transition and estate planning, long-term care planning, and insurance. Portfolios are custom-built using a risk assessment tool called Riskalyze, which assigns a numerical risk tolerance score (per firm website).
Does Secure Financial Management invest in external funds or perform direct deals?
The firm's services are centered on client financial planning and asset management. Its website mentions investments but does not describe fund-of-funds or direct deal activity. The firm likely uses publicly available securities and insurance products rather than institutional fund commitments.
Where does the wealth originate for Secure Financial Management's clients?
The firm primarily serves USAA retirees and other individuals, as stated on its website. Wealth origin is client-specific and not publicly attributed to a single source or family.
What is Secure Financial Management's known posture on co-investments or external GPs?
There is no public evidence of co-investments or partnerships with external general partners. The firm operates as a retail-facing advisory, not as an institutional allocator.
Does Secure Financial Management maintain philanthropic structures?
The firm does not disclose any separate philanthropic foundation or charitable vehicle. Its website highlights community involvement such as staffing who are Eagle Scouts, Rotarians, and volunteers, but no formal foundation is mentioned.
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