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Category: RPOA-Blog

Maximizing Your Finances: Year-End Tax Planning Tips for Retirees

Introduction: The year ending is an opportune time to engage in strategic financial planning, especially in terms of managing your taxes. Year-end tax planning could impact your financial well-being and help preserve your retirement savings. In this guide designed specifically for retirees, we’ll explore year-end tax planning tips designed to help you make the most […]

Embracing Gratitude: Finding Fulfillment Beyond Finances in Retirement

Introduction: As Thanksgiving approaches, it’s a perfect time to reflect on the essence of gratitude, especially in the context of retirement. While financial preparedness is crucial, finding fulfillment in retirement extends far beyond monetary considerations. In this blog post, we’ll explore finding gratitude in retirement, offering insights about how cultivating appreciation and contentment to help […]

Halloween Horror Stories: Avoiding Common Retirement Pitfalls

  As the leaves change color and the air turns crisp, Halloween reminds us of the spooky and supernatural. But in the spirit of the season, here are some Halloween-themed retirement pitfalls we think could be scarier than ghosts and ghouls and could even haunt your financial future. In this bone-chilling blog post, we’ll shed […]

Retirement Planning for Single Individuals: Strategies and Tips

  Retirement planning is an important endeavor, but it may present unique challenges for single individuals. In this guide, we’ll explore strategies and tips designed to help single individuals navigate their retirement planning journey with confidence. 1. Establish Clear Financial Goals for Single Retirement Planning The first step in retirement planning for singles is to […]

Navigating the Retirement Risk Zone: Tips for Saving During Crucial Years

Are you approaching retirement or already in the early stages of this exciting phase of life? The years just before and after retirement mark a critical period that requires careful planning and consideration. We believe this “retirement risk zone” is a period of transition that necessitates comprehensive planning encompassing monetary and non-monetary considerations. Here are […]

Preserving Your Legacy: Navigating Estate Planning

Estate planning can be critical to help ensure that your assets, values and wishes are protected and carried out after you pass away. This process involves making important decisions about the distribution of your assets, who will manage your affairs, and how your legacy will be preserved. From devising a thorough plan to considering the […]

Catch-Up Contributions: Exploring the Effective Retirement Savings Tool

Amid the ever-changing policies around retirement, it’s crucial to stay informed about the latest updates and identify the best strategies to help secure your financial future.  In recent years, catch-up contributions have gained traction as a means for individuals, especially those nearing retirement, to boost their savings. To make the most of catch-up contributions, it’s […]

Retirement Planning: Tips to Help Maximize Social Security and Other Considerations

By Shawn Stone, CRPC®, Retirement Planner for Retirement Planners of America Social Security has provided beneficial income to retirees in the United States since 1935. According to the Social Security Administration, about 50 million retired workers collected benefits in 2020 alone. At RPOA, we believe this is best utilized in conjunction with other means of […]

Tips For Funding IRAs And Understanding The Secure Act 2.0

Are you interested in funding an IRA? If so, are you aware of the current contribution limits and tax implications? There’s been quite a bit of legislation in the last few years affecting retirement savings. First was the Secure Act passed at the end of 2019. This sweeping legislation had lots of provisions. The legislation allows […]

‘Tis The Season For Tax Planning: Tips For The End Of The Year

By Shawn Stone As the year draws to a close, getting your finances in order is a great way to end on a high note and have a strong start for the new year. When the holidays approach and you’re in the festive spirit, it can be very tempting to put financial planning for the […]

New COLA rate and its impact in the New Year

By Shawn Stone A big question on seniors’ minds earlier this year was: How much of a e Social Security increase is coming in 2023? By mid-October, they had their answer. In 2023, Social Security benefits will be eligible for an 8.7% cost-of-living adjustment (COLA) based on third quarter inflation data. Social Security hasn’t seen […]

What Does Veterans Day Mean to You?

PLEASE NOTE: Statements made in this blog post are direct quotes from employees of Retirement Planners of America as of the date of publication. The views and opinions expressed by the quoted employee do not necessarily reflect the official position of Retirement Planners of America. Veterans Day is a day to recognize and express our […]

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MMWKM Advisors, LLC (d/b/a Retirement Planners of America ) (“Retirement Planners of America”) 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. Retirement Planners of America has been employing the Strategy since its inception in 2011. Therefore, any references to Retirement Planners of America’s performance or its investment advisory recommendations predating 2011 generally refer to recommendations made by Retirement Planners of America’s principals at the respective other firms described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. However, when implementing that portion of the Strategy, Retirement Planners of America believes that the benefit of avoiding bear markets outweighs the burden of these transaction costs and tax consequences. Retirement Planners of America is not an accounting firm or a law firm. The receipt of personalized and tailored services, or access to financial or professional resources should not be construed as a guarantee of a particular outcome. Comprehensive or holistic financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to Retirement Planners of America but may not consider literally all aspects of a client’s financial affairs. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Retirement Planners of America’s services will vary based upon a variety of factors, such as the client’s investment, tax, and financial circumstances and overall objectives. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Retirement Planners of America’s services will vary based upon a variety of factors, such as the client’s investment and financial circumstances, the client’s tax bracket, the nature and amount of the client’s employer and outside benefits, the client’s level of cooperation and communication, and the client’s overall objectives. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. The receipt of personalized and tailored services, access to financial or professional resources, or the experience or expertise of an adviser should not be construed as a guarantee of a particular outcome. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Third-party sites that are directly or indirectly linked or referenced above may collect information, including personal information relating your online activities over time and across different websites and other online services. 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