Wealth Accumulation

If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.
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Wealth Accumulation

Conventional investing advice often recommends an asset allocation of 60% stocks/40% bonds, but we recognize that may not work for everyone. That’s why we aim to understand your personal situation before determining the asset allocation that makes sense for your desired level of risk tolerance.
We have different investment options for people who want to take on more risk as well as more conservative insurance products for those whose desired level of risk is lower. We can utilize financial vehicles including annuities and other financial products that offer the potential for interest accumulation without subjecting their assets to market volatility.

Through strategic asset management using fixed index annuity products, we can address stock market volatility, with the potential to earn interest when the market rises while protecting principal in the event of a market downturn.

We look forward to helping you develop strategies that include the opportunity for higher growth through the use of investments while also utilizing insurance products with guaranteed interest rates as a part of your overall portfolio.

Investing involves risk, including the loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.
Safe and Secure Retirement and Insurance is operating under Agency CA License #0F04191
Mark Billes operates under CA License #0D73605

Strategies for Financial Independence

To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at msbilles@hotmail.com or call us at 714.791.3084 today! We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Have Questions for Us?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

At Safe & Secure Retirement, we offer you the following services:

(Click the images below to learn more about each service)

Annuities

Wealth Accumulation

Asset Protection

Life Insurance

Retirement Income Strategies

Tax Minimization Strategies

Long Term Care

IRA & 401(k) Rollovers

We can also refer you to professionals who provide the following services:

» Trusts » Probate » Charitable Giving » Estate Planning » Tax Planning » IRA Legacy Planning

Get access to our helpful retirement kit which includes three guides that address topics you should consider when planning your retirement.

Privacy Policy | Terms of Use

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered. Insurance and annuity products are sold separately through Safe and Secure Retirement and Insurance Services.

Safe and Secure Retirement and Insurance is operating under Agency CA License #0F04191
Mark Billes operates under CA License #0D73605

*Guarantees provided by insurance products are backed by the claims-paying ability of the issuing carrier.

The “helpful retirement kit” is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

Insurance and annuity products are not sold through Horter Investment Management, LLC (“Horter”). Horter does not endorse any annuity or insurance products nor does it guarantee their performance. Owners of these products are subject to the terms and conditions of the policies and contracts of the issuing companies. All product guarantees depend on the insurance company’s financial strength and claims-paying ability.

Past performance is no guarantee of future results. Investments are subject to risk, including market and interest rate fluctuations. Investors can and do lose money.