Free Retirement Risk Review · North County San Diego
Nearing or In Retirement?
Find out if you’re taking more risk than you need to — in 15 minutes.
The difference between a stressful retirement and a confident one isn’t only how much you saved. It’s how well your portfolio is built to handle market slowdowns and recessions.
Book a complimentary Retirement Risk Review with a local fiduciary advisor. We’ll give you an honest read on where you stand — no jargon, no pressure, no obligation.
Limited weekly appointments
The standards we hold ourselves to
The Problem
Retirement changes the rules. Your investment strategy needs to change too.
The strategies that build wealth aren't the same ones that protect it. Here are the risks most retirement plans quietly ignore.
Sequence-of-returns risk
A steep market drop in your first years of retirement can do permanent damage — far more than the same drop would have done while you were still working.
A portfolio built to accumulate
The allocation that grew your nest egg may be far too exposed once you stop contributing and start drawing income from it.
Withdrawing into a decline
Taking income while the market is down forces you to sell more shares at low prices — locking in losses you may never recover.
The fear of running out
Without a clear, risk-aware income plan, even well-prepared retirees spend years quietly worried they'll outlive their money.
Our Approach
Protect first, grow second.
A simple, disciplined philosophy that has guided North County families for two decades.
Protect the downside first
We build portfolios designed to limit losses in bad markets — because avoiding a deep hole matters more than chasing the last point of return.
Then pursue smart growth
Once risk is managed, we focus on durable, goal-based growth — enough to keep your income and lifestyle intact for the long haul.
Built around your life
A real plan from a local advisor who knows you by name — coordinating income, taxes, and timing around the retirement you actually want.
The Principle Behind It
Retirement success means maintaining the life you love.
Two couples can retire with similar savings and end up in very different situations. The difference is often not how much they accumulated, but how well their retirement plan was built to protect their income, manage risk, and provide lasting confidence.
- Fully exposed to downturns
- Major losses in bear markets
- Kept needing to withdraw as markets fell
- Constant fear of running out
- Actively managed downside risk
- Smaller portfolio declines
- Income stayed stable
- Confidence and peace of mind
No major lifestyle changes.
No unexpected income reductions.
No sleepless nights wondering whether your money will last.
Because true retirement success isn’t defined by a number—it’s defined by the freedom to keep living life on your terms.
What To Expect
Your path to clarity.
A simple, low-pressure process. Most people are surprised how much they learn in a single short conversation.
Book your call
Pick a time that works on the calendar below. It takes about two minutes — no forms to fill out first.
Your 15-minute review
We look at your current risk exposure and income picture, and answer the questions on your mind.
Get an honest read
You'll leave with a clear sense of where you stand — and whether anything is worth adjusting.
Decide what's next
If we're a fit, we'll map out next steps. If not, we'll tell you honestly. No pressure either way.
What's Included
What we'll review together.
A focused, no-pressure conversation about where you stand today — and what, if anything, is worth adjusting.
- Your current portfolio risk exposure
- Your retirement income strategy
- Vulnerability during a market downturn
- Your overall investment allocation
- Long-term retirement sustainability
- Questions about taxes & timing in retirement
Fifteen minutes could change how you feel about retirement.
Who It's For
Built for people serious about retiring well.
The Retirement Risk Review is most valuable if you see yourself here.
Within ~10 years of retiring
The window where getting risk right matters most.
Recently retired
Drawing income and wondering if you're too exposed.
Business owners
Turning a company or savings into lasting income.
Wanting a second opinion
Unsure your current plan is built for downturns.
Couples planning together
Aligning on income, lifestyle, and peace of mind.
A meaningful nest egg
You've worked hard to build it — now protect it.
Your Advisors
Meet the local team in your corner.
You'll talk to a real advisor here in Escondido — not a call center. The same people who'd guide your plan are the ones who run your review.
For two decades, RED Seven has helped North County retirees and pre-retirees balance growth with thoughtful risk management.
President & Founder
Jerod C. Fenton
Two decades helping North County families protect what they've built, with one philosophy: protect first, grow second.
CFO & CPA
John E. Richardson Jr.
Integrates tax strategy with wealth management so your retirement income works as efficiently as possible.
Financial Planner
Rosario Scappaticci
Born and raised in Escondido, with a genuine passion for helping retirees protect their life's work.
In Their Words
What North County families tell us.
Placeholder statements shown for layout — your compliance-approved testimonials will appear here.
“In fifteen minutes they showed me a risk in my portfolio my last advisor never mentioned. I finally feel like I understand my own plan.”
“No pressure, no jargon — just a straight answer about whether we were taking too much risk so close to retirement.”
“We came in for a free review and left with a plan we actually feel confident about. Worth far more than fifteen minutes.”
Testimonials, when published, will comply with SEC Rule 206(4)-1 and include all required disclosures. They are not a guarantee of future results.
Questions
Frequently asked.
Is the Retirement Risk Review really free?
Yes. It's a complimentary, educational conversation with no cost and no obligation. There's nothing to sign and no advisory relationship is created unless you later choose to work with us.
How long does it take?
About 15 minutes. It's a focused look at your current risk exposure and income picture — enough to give you a clear, honest read on where you stand.
Will you try to sell me something?
No. We'll give you an honest assessment and tell you plainly whether we can help. If we're not the right fit, we'll say so.
Do I need a certain amount saved?
There's no hard minimum, but the review is most useful if you're at or near retirement with a meaningful nest egg you want to protect.
What do I need to prepare?
Nothing formal. A general sense of your accounts and your retirement goals is plenty. Bring your questions — that's what the time is for.
Who will I be talking to?
One of our advisors right here in Escondido — the same people who would guide your plan. No call centers, no hand-offs.
Are you fiduciaries?
Yes. RED Seven is an independent, fee-based Registered Investment Advisor, legally held to a fiduciary standard to act in your best interest.
Book Your Review
Pick a time for your free risk review.
Choose a slot that works for you below — we'll send a confirmation and handle the rest. Most reviews take about 15 minutes.
Just a conversation about
your retirement future.