Twenty Years In Practice
More than two decades helping families plan reliable retirement income.
Income Planner · Physical Metals Broker
Deric Ned
The plan you were given was probably not built around you.
Twenty years of building real retirement income plans and brokering physical precious metals. Based in Pasadena, working with clients across the United States. Every recommendation is measured against one question: is this in your Best Interest.
Best Interest Obligation
Every recommendation measured against what serves you.
Pasadena, Clients Nationwide
Based in Pasadena, California. Working with clients across the United States.
No Fear, No Urgency, No Celebrity
Conversations built around your situation, not sales tactics or paid endorsements.
As Seen In
Global Markets Coverage
Cyprus Mail
“Most people think that if I just buy and hold, the market will always come back. And that's true. But when you're 60, that rule doesn't apply anymore because you don't have a runway to wait that out.”
Deric Ned, founder and CEO of Ridgemont Metals, featured in Cyprus Mail
July 2026
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Finance & Business News
TechBullion
“They think doing nothing is safer than making a decision, when doing nothing is a decision, and it's usually the wrong decision.”
Deric Ned, founder and CEO of Ridgemont Metals, featured in TechBullion
July 10, 2026
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US National News
Time Business News
“Deric Ned’s position is straightforward: the most useful thing you can know about any financial professional isn’t their credentials or their track record. It’s how they get paid.”
Deric Ned, featured in Time Business News
July 2026
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US National News
CBS News
“My base case for June is $4,650 to $4,750. If the Iran situation escalates or the dollar rolls over, $4,800 plus is in play. I can't really see a world or solid reason for gold breaking below that level with conviction.”
Deric Ned, founder and CEO of Ridgemont Metals, quoted in CBS News
May 28, 2026
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Global Markets Coverage
Capital.com
“Silver could retest $90/oz if Middle East tensions ease and the US dollar weakens, while a hawkish Federal Reserve pivot would bring $70/oz into view. Solar and AI infrastructure demand provides a structural floor.”
Deric Ned, founder and CEO of Ridgemont Metals, cited in Capital.com
June 2, 2026
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The Practice
What I Do
I am Deric Scott Ned, an income planner working with people approaching retirement and already in it, and a physical gold and silver broker. I help families plan reliable retirement income, review retirement plans built by other advisors, and decide whether physical gold and silver belong in a portfolio. I am based in Pasadena, California. I work with clients across the United States.
If you are within ten years of retirement and you are not sure your plan will hold up, you are right to be skeptical. Most of the plans I review were not built to hold up. They were built to be sold.
I have spent more than twenty years in this business. Every recommendation I make is measured against one question: is this in the client's Best Interest. That is the practice.
Deric Ned is an income planner who works with people approaching retirement and already in it. Physical gold and silver broker. Twenty years in both industries. Based in Pasadena, California.
What I Offer
Three Ways I Help
Retirement Income Planning
Building reliable monthly cash flow for the next twenty to thirty years, from what you already have.
How I WorkSecond-Opinion Plan Reviews
A careful written review of a retirement plan another advisor has built, before you commit to it.
Learn MorePhysical Gold and Silver Brokerage
Whether metals belong in your portfolio, in what form, with what custody. Available to clients across the United States.
Read Recent WritingInsights
Recent Writing
Standards of Advice/April 12, 2026/12 min read
What “Fiduciary” Actually Means, and Why the Standard Most Advisors Use Is Lower Than You Think
The word “fiduciary” gets used loosely. The legal definition is narrow, the suitability standard is wider, and the Best Interest standard sits in between. Here is what each one actually means for the advice you are getting.
Read the articlePhysical Metals/March 28, 2026/10 min read
How Much Physical Gold Belongs in a Retirement Portfolio, Honestly
Most articles on gold in retirement either sell you the metals or sell you the fear. This one walks through the actual questions a thoughtful person should be able to answer before any gold is purchased.
Read the articleWhy This Site Exists
A Single Honest Conversation
Most of what people get wrong about retirement income and precious metals is preventable. A single honest conversation, a decade earlier, would have been enough. The work I do with clients starts the same way every time. A conversation, not a pitch. If any of this sounds like what you have been looking for, I would be glad to talk.