Rooney Wealth Management LLC

Guiding individuals, retirees, and educators on a clear path to financial freedom.

Rooney Wealth helps retirees, educators, and busy professionals build and protect their wealth with clear, long‑term planning and disciplined, tax‑aware investing. We translate complex decisions—pensions and 403(b)/457 choices, Social Security and retirement income, and cash‑flow—into an easy-to-follow plan you can trust. As a fiduciary, our only agenda is your goals, values, and peace of mind—so you always know what to do next and why.

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Who We Serve

Services

Investment Management

We provide continuous, personalized advice regarding the investment of your funds based on your individual needs, risk tolerance, and tax considerations. We help you establish or transfer accounts at our recommended custodian, Charles Schwab & Co., Inc. and develop a personal investment plan with target asset allocations.

Non-Discretionary Control

A diversified portfolio tailored to your financial goals, risk tolerance, values, and time horizon. You remain in the driver’s seat, we will never execute a transaction without your prior approval.

Strategic Asset Allocation

We identify and maintain the optimal ratio of equities, fixed income, and cash based entirely on your individual risk tolerance, time horizon, and tax considerations.

Income Generation

We generate portfolio yield through diversified methods such as fixed-income allocations and optimizing cash reserves. For clients with the appropriate risk tolerance, we can also utilize options strategies.

Socially Responsible Investing (SRI)

We offer customized portfolios that can incorporate Environmental, Social, and Governance (ESG) principles so you can align your investments with your personal values.

Financial Planning

Financial planning is not a one-time event; it is an ongoing process. We work one-on-one with you over an extended period to develop, implement, and monitor a comprehensive financial plan tailored to your entire life situation. Together, we will define your financial goals and prioritize the steps needed to reach them. Our planning process can cover:

Retirement Planning

Projecting your path to financial independence and recommending distribution strategies for your retirement years

Cash Flow and Debt Management

Identifying surpluses, reducing expenses, and optimizing debt payoff strategies

Tax Planning Strategies

Recommending tax-efficient account structures and investments to help minimize current and future income taxes

Employee Benefits Optimization

Ensuring you are taking maximum advantage of your workplace benefits

Who You’ll Be Working With

Dan Rooney

As a former elementary school teacher in San Francisco, I know firsthand what it means to live and thrive on a disciplined budget. Teachers don’t earn lavish salaries, and my professional experience made me highly adept at making every dollar work hard—not just for myself, but for my friends and family. Founding Rooney Wealth Management LLC has formalized this passion, allowing me to bring that same focus, discipline, and practical knowledge to managing your financial life.

I hold the Series 65 license, qualifying me as an Investment Adviser Representative. I chose this specific designation because it ensures I can legally act as a fiduciary—always putting your interests first—to develop comprehensive financial plans and actively manage your investments. I hold a bachelor’s degree from UC Santa Cruz and a master’s degree from the University of San Francisco.

I am based in Sacramento and proudly serve clients throughout the entire state. In my free time I enjoy trying new coffee shops and taking my adult kickball league too seriously.

FAQ

Are you a fiduciary?

Yes, absolutely. As a Registered Investment Adviser Representative (Series 65), I am legally and ethically bound to act as a fiduciary for my clients at all times. This means I must always put your financial interests first—period. This is a crucial distinction from traditional brokerage firms.

Who is your ideal client?

My ideal client is someone who is serious about achieving financial security through smart, disciplined planning. As a former educator, I have a passion for working with teachers and other public-sector employees who need specialized help navigating complex retirement benefits like pensions, 403(b)s, and 457 plans. Ultimately, I serve individuals and families across California who are actively building wealth and appreciate an advisor who understands the value of a hard-earned dollar.

Do you only work with teachers?

While I specialize in the unique retirement systems and financial challenges of California educators (like navigating CalSTRS and 403(b) vendor lists), I proudly serve individuals and families from all professional backgrounds. My goal is to provide disciplined, fiduciary wealth management to anyone in Northern California—and beyond—who wants to make their hard-earned dollars work as hard as they do.

What are your prices? Is there a minimum?

Financial planning bundles each have a fixed fee that we will determine based on your specific situation. Investment management services are charged as a percentage of Assets Under Management and is negotiable. There is no account minimum for investment management services. More information can be found here

Do I lose control of my money if I hire an advisor?

I operate on a non-discretionary basis meaning I provide the research, the math, and the clear recommendations, but no trades are ever made without your explicit “Go” signal. My role is to give you the confidence to make the right moves, not to take the keys away.

I’m in CalSTRS. Why do I need a private advisor when I already have a pension?

Your pension is a fantastic foundation, but for most California teachers, it only replaces 50–70% of your final salary. Between the high cost of living in the Bay Area or Sacramento and the “pension gap,” you likely need supplemental savings to maintain your lifestyle in retirement. I help you bridge that gap by optimizing your 403(b) or 457(b) so you aren’t just relying on the “Defined Benefit” formula.

My 403(b) vendor list has dozens of options. How do I know which one is best?

Since I am a fee-only fiduciary, I don’t get paid by these companies to sell you their plans. I act as your advocate to scan your specific district’s list, identify the “Green Light” vendors with the lowest fees, and help you ditch the accounts that are quietly eating your returns.

Should I buy back Service Credit?

This is one of the most frequent—and expensive—questions California teachers face. While buying back credit can sometimes significantly increase your lifetime monthly pension, the cost is based on your current salary and age, which means it gets more expensive the longer you wait. I help you run a formal “Breakeven Analysis” to determine if that lump-sum payment will actually pay for itself or if that money would be better served growing in your own private 403(b) or 457(b).

Will my CalSTRS pension cause me to lose my Social Security?

This is a major concern for teachers who had “second act” careers or significant private-sector work. With the Social Security Fairness Act, the rules around the Windfall Elimination Provision (WEP) have changed. I help you look at your total household income to see how these new federal laws impact your bottom line so you aren’t surprised by your first check in retirement.

Pricing

Assets Under Management	Annual Advisory Fee
$0 – $100,000	$1,000 or 3%, whichever is lower
$100,001 – $1,000,000	1.00%
$1,000,001 and Above	0.75%

*Fees are negotiable

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Get in touch

Guiding individuals, retirees, and educators on a clear path to financial freedom.

Who We Serve

Retirees

Educators

Professionals & Families

Services

Investment Management

Non-Discretionary Control

Strategic Asset Allocation

Income Generation

Socially Responsible Investing (SRI)

Financial Planning

Retirement Planning

Cash Flow and Debt Management

Tax Planning Strategies

Employee Benefits Optimization

Who You’ll Be Working With

Dan Rooney

FAQ

Pricing

Start your path to financial freedom

Guiding individuals, retirees, and educators on a clear path to financial freedom.

Who We Serve

Retirees

Educators

Professionals & Families

Services

Investment Management

Non-Discretionary Control

Strategic Asset Allocation

Income Generation

Socially Responsible Investing (SRI)

Financial Planning

Retirement Planning

Cash Flow and Debt Management

Tax Planning Strategies

Employee Benefits Optimization

Who You’ll Be Working With

Dan Rooney

FAQ

Pricing

Start your path to financial freedom

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