Will You Run Out of
Money or Out of Time?
Will You Run Out of Money or Time?
Begin the Review Process by
Answering a Few Questions below ⬇️
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Break free from outdated rules that limit your lifestyle unnecessarily.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 Outdated financial rules and hidden tax traps could be quietly draining your savings, costing you thousands without you even realizing it.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 a few clear steps.
Phase 1:
Vision Discovery (Done-With-You)
We start with life, not spreadsheets. We map your healthiest “Go-Go” years, identify where health and wealth cross, and turn vague goals into a clear, cost-estimated timeline. We also talk about identity, routine, and what a fulfilling retirement actually looks like.
Phase 2:
Plan Design (Done-For-You)
Next, we build the income engine. We coordinate Social Security, pensions, and portfolio withdrawals into a reliable flow. We design a bucket system so market volatility doesn’t threaten near-term spending, and we plan healthcare as a core retirement pillar, not an afterthought.
Phase 3:
The Permission Blueprint (Done-With-You)
This is where confidence replaces hesitation. We stress-test the plan against early-retirement market risk, set flexible spending guardrails, and create a “legacy wall” so enjoying your money doesn’t feel like you’re taking from your future or your family.
Phase 4:
Active Tax Management (Done-For-You)
Taxes aren’t solved once — they’re managed over time. We sequence withdrawals, model Roth conversions during intentional windows, and account for Medicare premium thresholds so “low-tax years” don’t quietly become expensive ones.
Phase 5:
Seamless Implentation (Done-For-You)
Some clients want guidance. Others want execution. If you choose it, we manage the moving parts — investments, withdrawals, and ongoing adjustments — so the plan stays aligned as markets, tax laws, and life change.
Transparent Pricing:
Because You Deserve Straight Answers
Most advisors won’t talk price until after the pitch. We do things differently.
The SECURiMENT™ Review is a paid service, and that’s intentional.
We don’t offer “free” planning calls that turn into disguised sales meetings. And we don’t make our money by pushing financial products or taking commissions behind the scenes.
Instead, we charge a simple, flat fee for the SECURiMENT Review because that’s what true fiduciary advice should be:
Unbiased, Transparent, and 100% in your corner.
Here is what you should know about the SECURiMENT Review
It costs far less than what most retirees unknowingly lose to taxes or inefficient strategies every year
You will have the permission to spend more money when you are younger and healthier
There’s no pressure to continue after the Review. You’ll walk away with powerful, personalized insight either way
And if it’s not a fit? We’ll tell you honestly before a single dollar changes hands
This isn’t just about checking your numbers.
It’s about finally getting the clarity and confidence you deserve from someone who’s only paid to do what’s right for you.
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. This 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 start with a comprehensive financial plan. Transparent, fiduciary guidance so you can make smarter financial decisions without the guesswork. Some people want hands-on, seamless implementation and help managing their savings. We can do that as well.
With just a few small adjustments, you could unlock thousands in tax savings, create additional income opportunities and spend more money when you are younger and healthier.
Let’s take a second look, before it’s too late.
Your Investment
There are 3 different ways to work with us
The SECURiMENT™ Review
Flat-Fee | Planning Only
Designed for: People within ~10 years of retirement or newly retired who want clarity and confidence — without committing to ongoing management.
Investment: $2,500
What this is: A comprehensive retirement blueprint and second opinion.
What this is not: A sales meeting. There is no requirement to manage assets.
Vision Discovery & Life Design
Income & Social Security coordination
Healthcare & Medicare planning
Tax strategy & Roth timing analysis
Stress testing for markets, longevity, and healthcare shocks
A clear written roadmap you can implement yourself
SECURiMENT™ Coaching
Ongoing Guidance | Advice-Only
Designed for: Clients who want continued guidance, accountability, and decision support — while keeping full control of their assets.
Investment: $750 per quarter
Best for: DIY investors who want a trusted retirement coach in their corner.
Annual (and Quarterly) Re-Permission Review
Ongoing tax and Roth conversion guidance
Healthcare and Medicare decision support
Behavioral coaching during market stress
On-call support for major retirement decisions
Optimal Implementation
Full Execution
Designed for:
Clients who prefer full delegation and ongoing execution.
Investment:
Traditional AUM or a flat annual fee (depending on complexity).
Option 3: Optimal Implementation is best for people who want to fully delegate execution. It’s for those who don’t want to manage investments, withdrawals, or tax decisions and prefer the peace of mind of knowing everything is being handled and adjusted as life and markets change.
Full portfolio management
Income “paycheck” execution
Tax-loss harvesting & Roth conversion management
IRMAA and tax-law monitoring
Ongoing plan adjustments as life changes
