The Big Question


If you’re like many young professionals, you’re probably asking yourself: 

“What smart moves can I make with my money so I can enjoy my life now and set myself up for the future?”

When you’re working 60–100 hours a week and earning a strong income, your free time is precious. You don’t want to spend it stressing about money — you want to travel, enjoy dinners out, splurge on experiences, and live the lifestyle you’ve worked hard for. But at the same time, you don’t want to look back 10 or 20 years from now and wonder if you should have done more to prepare. 

Our Approach


That’s where we come in. We take a holistic approach to planning — meaning we look at your whole financial picture, not just one piece. From taxes and investments to student loans, equity grants, and lifestyle goals, we connect everything so it works together. Our role is to help you keep the flexibility and control you want today, while guiding you toward long-term success with the support of our team.

Why It Matters

  • By age 30, experts suggest having about one year’s salary saved for retirement — but most professionals fall behind because lifestyle spending takes over (Fidelity).  

  • Starting earlier makes a massive difference.

  • If you start saving at age 25, you’d need to save about $450 per month (assuming 7% annual growth) to reach $1 million by age 65.  

  • If you wait until age 35, you’d need to save about $950 per month to hit the same $1 million goal.  

  • That’s more than double the monthly savings — just for starting 10 years later.  

  • Student loans are a big factor: The average federal student loan balance for borrowers in their 30s is about $42,600 (Education Data Initiative, 2024).  

  • Nearly 2 out of 3 millennials live paycheck to paycheck — including many earning six figures (CNBC, 2023).  

  • 78% of young adults say they value financial freedom more than wealth (Bank of America, 2022). 


Rates of return are hypothetical, and are provided for illustrative purposes only, and do not reflect the performance of an actual investment.

Let's Start a Conversation

 


Questions You Might Be Asking Yourself

What This Means for You

You’ve worked hard to build your career and your lifestyle. Now let’s make sure your money is working just as hard — so you can keep your options open and enjoy the life you want, now and in the future.

  Romana Wealth Partners  |  3000 Executive Parkway  |  Suite 400  |  San Ramon, CA 94583


Securities and investment advisory services offered through Osaic Wealth, member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.  

This communication is strictly intended for individuals residing in the states of AK, AR, AZ, CA, CO, DE, FL, GA, HI, ID, IL, IN, MA, MD, ME, MI, MN, MD, MT, NC, NJ, NV, NM, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, and WI. No offers may be made or accepted from any resident outside the specific states referenced. 

Check the background of your financial professional on FINRA's BrokerCheck. Osaic Form CRS.