Russ Wiles, The Republic | azcentral.com | It’s the most critical time to maximize your opportunities and plan for future financial success,” said Bob Swift, founder of TCI Wealth Advisors, an investment-management firm with offices in Arizona and four neighboring states. “People in their 20s have an asset, time, that they can’t afford to waste,” he said. “It would be a big mistake to let those 10 years go by without saving and investing as much as you can.”