"At Romana Wealth Partners, we take the time to listen to your story. We want to understand what retirement looks like for you — what you want to do, who you want to spend time with, and what brings you joy. Then we get to work. Through our holistic planning process, we design a plan that fulfills what you want to do in retirement, balancing the realities of longevity, inflation, and changing markets with the freedom to live the life you envision."
Whether that means staying close to family, traveling somewhere new, or simply having the peace of mind to enjoy your days without financial worry, our role is to support you so you can focus on the retirement you’ve worked so hard to build. We’ll be here through every stage of the journey — adjusting when life changes, celebrating milestones, and ensuring your plan continues to support the people and priorities that matter most. Retirement isn’t something you navigate alone. With Romana Wealth Partners, you have a trusted partner beside you —helping you make confident decisions and ensuring the retirement you imagine becomes the one you live.
These are the questions that shape meaningful retirement planning. They’re about more than money — they’re about security, independence, and knowing you can enjoy what you’ve worked so hard to build.
Americans today are living longer than ever before. The average life expectancy in the United States is 77.5 years overall, with men averaging 74.8 years and women 80.2 years. Your plan needs to fund 20–30 years of income, healthcare, and lifestyle goals — not just “retirement.” (1)
There’s nearly a 50% chance that one spouse in a 65-year-old couple will live into their 90s. This means your plan must last 25 or more years — through inflation, market shifts, and health changes. (2)
About 24% of U.S. adults over age 50 don’t expect to ever retire, citing financial uncertainty and fear of outliving their savings as top reasons. Planning early transforms uncertainty into freedom and choice. (3)
Studies show that investors who work with a financial advisor can achieve about 3% higher net returns per year through disciplined rebalancing, tax-efficient strategies, and behavioral guidance. Over decades, that difference can mean tens or even hundreds of thousands of dollars in added security for your future.
Studies show that investors who work with a financial advisor can achieve about 3% higher net returns per year through disciplined rebalancing, tax-efficient strategies, and behavioral guidance. Over decades, that difference can mean tens or even hundreds of thousands of dollars in added security for your future. (4)
Forty-two percent of retirees say their standard of living is lower than they expected due to financial constraints, inflation, or medical costs. Having a proactive, flexible plan can prevent financial surprises from altering the life you’ve envisioned. (5)
One in three Americans — about 34% — say they’re open to retiring overseas. Many are seriously considering this alternative as they rethink what their ideal retirement could look like. Whether the goal is adventure, affordability, or a slower pace of life, your plan should be flexible enough to support your vision, wherever it leads. (6)
Romana Wealth Partners | 6101 Bollinger Canyon Road | Suite 225 | San Ramon, CA 94583
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Sources:
(1) 1. Centers for Disease Control and Prevention (CDC), National Center for Health Statistics. “Mortality in the United States, 2023.” Published April 2024. The report lists U.S. life expectancy at birth as 77.5 years overall, 74.8 years for men, and 80.2 years for women. Source: CDC.gov.
(2) Society of Actuaries (SOA), Annuity 2000 Mortality Table and Joint Life Expectancy Study. Data show that among a 65-year-old couple, there is approximately a 50% probability that one spouse will live to age 90 or beyond. Source: Society of Actuarie
(3) AARP & NORC at the University of Chicago. “Retirement in America: 2024 Survey.” Findings indicate that 24% of U.S. adults over 50 do not expect to retire, primarily due to financial insecurity and fear of outliving savings. Source: AARP.org
(4) Vanguard. “Advisor’s Alpha® 2022.” Vanguard research estimates that investors who work with a financial advisor can realize about 3% higher net returns annually, achieved through behavioral coaching, disciplined rebalancing, tax-efficient strategies, and cost-effective allocation. Source: Vanguard
(5) Employee Benefit Research Institute (EBRI). “2024 Retirement Confidence Survey.” According to EBRI, 42% of retirees report their standard of living is lower than expected, largely due to inflation, health costs, and limited income sources. Source: EBRI.org
(6) Transamerica Center for Retirement Studies. “Retirement Abroad Survey, 2023.” Approximately 34% of Americans say they are open to retiring overseas, motivated by lower cost of living, lifestyle, and healthcare affordability. Source: TransamericaCenter.org