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Advisory services provided by RPOA Advisors, Inc. (d/b/a Retirement Planners of America, “RPOA”). This content is for general educational purposes only and is not investment, tax, or legal advice. Opinions expressed are those of Retirement Planners of America and should not be relied upon as a recommendation. The Invest and Protect Strategy is not guaranteed and does not protect against all losses: it relies on a sell signal that can incorrectly predict a market decline, is subject to adviser discretion, may involve transaction costs and tax consequences, and may reduce total and average annual return over the long term compared with a static allocation. Past performance does not guarantee future results. ©Copyright 2026

In this episode of Money Matters, Ken Moraif breaks down one of the most important retirement questions: where should your retirement income come from first? He also explains the hidden danger of sequential risk and why market losses early in retirement can have a major impact on your financial future. Plus, Ken answers key Social Security questions about Medicare enrollment, delaying benefits until 70, and whether you can repay benefits to receive a higher amount later. Finally, he shares smart estate planning strategies for helping children and grandchildren pay for college tax-free.

Advisory services provided by RPOA Advisors, Inc. (d/b/a Retirement Planners of America, “RPOA”). This content is for general educational purposes only and is not investment, tax, or legal advice. Opinions expressed are those of Retirement Planners of America and should not be relied upon as a recommendation. The Invest and Protect Strategy is not guaranteed and does not protect against all losses: it relies on a sell signal that can incorrectly predict a market decline, is subject to adviser discretion, may involve transaction costs and tax consequences, and may reduce total and average annual return over the long term compared with a static allocation. Past performance does not guarantee future results. ©Copyright 2026

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