Will You Run Out of Money

— or Regret Not Spending More?

Get a fiduciary-backed second opinion to optimize your spending, reduce taxes, and secure a plan that works for your future—not just a financial advisor’s sales pitch.

Understanding where you are helps us tailor the best strategy for your financial future.
Knowing this helps us determine if you're getting the best possible guidance—or if there’s room for improvement.
Your priorities shape the best plan for your long-term security and peace of mind.
Some people spend cautiously, others spend freely—your plan should align with what matters most to you.
Many retirees overpay in taxes without realizing it. We help ensure you keep more of your money.
Balancing risk and reward is critical to growing your wealth while ensuring financial security.
Your timeline affects everything from spending strategies to tax efficiency and investment decisions.
What’s your primary goal for your retirement savings?
We help ensure you have enough financial security to live comfortably and stress-free.
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Are You On Track for a Comfortable Retirement

—Or a Costly Mistake?

Failing to optimize your retirement strategy now could mean higher taxes, wasted income, and missed opportunities. Here are the three key areas you need to fix before it’s too late.

Spend More While You Can

—Without Fear

Enjoy life while you’re active—without running out of money later.

Most retirement plans force you to underspend early, leaving you with excess money when it’s too late to enjoy it. Our SECURiMENT Review flips the script, helping you safely spend more in your younger, healthier years while ensuring long-term financial security.

  • Avoid the “Zone of Regret”—when you realize you could’ve spent more, but now it’s too late.

  • Break free from outdated rules that limit your lifestyle unnecessarily.

  • Confidently spend on travel, family, and experiences—without second-guessing your finances.

Slash Retirement Taxes & Keep More Money

Don’t let taxes quietly drain your retirement savings.

Without a strategic plan, you could be overpaying thousands in taxes on Social Security, investments, and withdrawals. Our SECURiMENT Review optimizes your tax strategy, so you keep more of what’s yours while ensuring your wealth lasts.

  • Legally minimize your tax burden—so your money works for you, not the IRS.

  • Maximize Social Security & investment withdrawals to avoid hidden tax traps.

  • Pass down wealth the right way—reducing taxes on your heirs while protecting your legacy.

Grow Your Money

While Reducing Risk

Invest smarter—without gambling your retirement security.

Many retirees treat all their money the same—but this leads to avoidable losses and unnecessary risk. Our SECURiMENT Review buckets your assets strategically, protecting short-term funds while maximizing growth for long-term wealth.

  • Avoid market downturn panic—never be forced to sell at the worst time.

  • Take the right risks at the right time—less risk for money you need sooner, more for money you won’t touch for years.

  • Ensure steady growth without stress—so your retirement stays on track, no matter the market.

Most Retirement Plans Have Hidden Risks—Does Yours?

Most retirees fall into one of two traps: spending too cautiously and missing out on life or spending too much and risking their future. Outdated financial rules and hidden tax traps could be quietly draining your savings, costing you thousands without you even realizing it.

The SECURiMENT Review uncovers exactly where your plan is strong, where it’s vulnerable, and how to fix it. If you could optimize your spending, tax savings, and investments, wouldn’t you want to know?

How It Works

The path to a retirement you can rely on is simpler than you think—just three clear steps.

Step 1:

A SECURiMENT Introduction

Answer a couple quick questions on this page and book your SECURiMENT Introduction Call.

On that call, we’ll do a preliminary assessment of your retirement plan and determine if you’re a good candidate for a SECURiMENT Review.

This is not a planning or advisory call—it’s simply to ensure we’re a good fit before moving forward with the paid SECURiMENT Review.

Step 2:

Your Personalized SECURiMENT Review

If we decide to move forward, you’ll receive a detailed, personalized review of your retirement plan. We’ll identify areas where you may be overpaying in taxes, uncover inefficiencies in your income strategy, and explore ways to protect your savings while improving long-term performance—all within a clear, legal, and ethical framework.

We are also happy to answer your questions on an hourly basis consulting package if that’s more suitable for you.

Step 3:

A Retirement You Can Rely On

With the insights from your review, you’ll have a retirement strategy that gives you the confidence to spend more freely while you’re healthy, reduce your tax burden over time, and grow your wealth without taking unnecessary risks. The goal is simple: help you live better now, while still protecting your future.

What People Are Saying

★★★★★

"I did all the “things” I was told to do: investing in my company's 401K, etc. But I still had NO IDEA what I would need for retirement and the future as one of my financial fears. Darryl helped me understand how to use my resources to set myself up for a retirement where I WOULD NOT worry about my future!"

Sara & Troy

★★★★★

"I am so happy to be working with Darryl Rosen. I appreciate that he reaches out regularly to review my portfolio and answer my questions. He is extremely knowledgeable and always a pleasure to talk to. Darryl has provided me more peace of mind and I have been happy with the performance of my portfolio."

Janet

★★★★★

"Darryl’s $$ plan and decisions are always in my best interests. He does for me what he does for his own family. And he always checks with me and plans with me the money moves to make given where I am at in my life and what’s happening in the market."

Lynne & Bob

Who Am I?

I’m Darryl Rosen, creator of the SECURiMENT Review—a process that helps you spend smarter, reduce taxes, and grow your wealth with confidence.

Most retirees either overspend and risk running out of money or play it too safe and miss out on life.

The problem?

Outdated financial rules and hidden tax traps could be costing you thousands—without you even realizing it.

Unlike most advisors, I don’t push financial products. I offer transparent, fiduciary guidance so you can make smarter financial decisions without the guesswork.

With just a few small adjustments, you could unlock thousands in tax savings and additional income opportunities.

The question is: Is your plan truly optimized, or are you leaving money on the table?

Let’s take a second look—before it’s too late.

The Biggest Retirement Mistake?

Waiting Too Long to Fix It.

Every year you delay could mean thousands lost to taxes, missed investment growth, and unnecessary risks. The SECURiMENT Review helps you correct course before it’s too late.

All Rights Reserved | SECURiMENT™ Wealth Management © 2025

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Rose Advisory Group are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by BCM. Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract.