Julianne Cruz - Retirement Planners of America

Julianne Cruz

Professional and Community Activities

Our Lady of Grace, Finance Board Chair, 2015-present
Past Affiliations:
- Financial Planning Association, Member
- Wise Senior Services, Board of Directors
- Western Pension and Benefits Conference, Member
- Beverly Hills Bar Association, Member
- Huntington Library, Corporate Board Member

Family

Julianne and Jim married in 1986 and live in Tarzana, California. They have two daughters Alexis and Elizabeth. Julianne enjoys running, golf, reading, gardening, cooking and spending time with her family.

Business Philosophy

I have a passion for helping clients, colleagues, friends and family achieve success. Success comes in many forms. The definition and orientation of success varies greatly from person to person. True successis defined on personal terms, be it in relationships, education, business, philanthropy, financial security, etc. I love discovering how people define their view of success and am honored when I have the opportunity to help advance their visions.

Education

BA, Political Science – California State University, Fullerton – 1983
Certified Financial Planner (CFP) Designation – 2000
Pacific Coast Banking School Graduate 2015
Certified Retirement Planning Counselor (CRPC®) Designation – 2017

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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. 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. 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