April 27, 2021 - Retirement Planners of America

How Does Rebalancing Your Portfolio Help Your Retirement Money Last?

You’ve probably heard that rebalancing your portfolio is a good practice, but do you know why you should do it? It’s actually a strategy to help to control risk—and one I believe […]

Want to Retire Outside the US? Follow this Important Tip.

There are several reasons you might want to retire outside the US. Maybe you’d like to take advantage of a lower cost of living. Maybe you’d like to try a […]

When to Take Social Security: Spousal Benefits and Retroactive Payments

Knowing when to take Social Security (SS) can be tricky, which is why I answer questions about Social Security every week on my radio show Money Matters. Recently a listener had […]

What Is an Irrevocable Trust? (Hint: It’s Not as Bad as It Sounds)

I was recently discussing trusts and their place in estate planning when I was asked, “What is an irrevocable trust? Does that mean it can never be changed?” “That’s correct,” […]

Understanding Different Life Insurance Types

Different life insurance types have different issues—and some of them could blow up in your face. As part of RPOA’s comprehensive financial planning approach, we review our clients’ life insurance […]

A Correction Around the Corner?

I’ve been in the financial planning world for close to 30 years now, and during that time, I’ve seen rapid market growth sometimes lead to a correction, which is generally […]

Get the Maximum Social Security Benefit by Calculating Your Break-Even Age

If I were to list my clients’ biggest questions, I’d say Social Security timing tops the list. It makes sense that people would want to know how long they should […]

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RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Retirement Planners of America has attained a certain level of skill, training, or ability. The “Invest and Protect Strategy” (the “Strategy”) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Retirement Planners of America previously employed a similar strategy that it referred to as the “buy, hold, and sell” strategy or “buy hold, and protect” strategy. Past performance does not guarantee future results. Therefore, current or prospective clients should not assume that the future performance of the Strategy, any specific investment, or any other investment strategy that Retirement Planners of America recommends will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. References to recommendations made under the Strategy that predate 2011; and statements such as and similar to: “we told our clients to be out of the market in 2007 and 2008,” “we told our clients to get back into the market in 2009,” and “clients that followed our advice were out of the market in 2008;” refer to strategies collectively employed and recommendations collectively made by Retirement Planners of America’s principals while employed at Eagle Strategies, LLC., and also at Cambridge Investment Research Advisors, Inc. Three of the five principals remain as principals today, including the Retirement Planners of America’s founder, Ken Moraif. 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