Michelle Roberts - Retirement Planners of America

Michelle Roberts

Background & Family Life

Michelle grew up in Houston and lives in the Houston Heights. In her free time, she enjoys renovating her 1920s bungalow, dancing salsa and biking the bayou trails.

Business Philosophy

Michelle believes that clients should always feel heard and understood; that each client’s plan should be tailored to the goals that are unique to them; and that ascertaining these goals is one of the most important parts of the client relationship.
Michelle’s primary goal is to take as much time as needed to make sure you understand the various aspects of RPOA’s Invest and Protect Strategy so you can fully understand our process that is designed to help grow and protect your assets.

Education

BS in Business Administration: University of North Carolina, Chapel Hill

- Honors Program
- ESSEC Business School, Paris, France
- Honors Study Abroad in London, UK – Human Rights Law

JD: University of Texas School of Law

Business Experience

Michelle founded a test prep and academic consulting business that she ran for 17 years. She tutored high school, college and adult students for college and graduate school admissions exams as well as AP and IB subjects; worked with clients who had learning disabilities to develop coping strategies and study skills; and assisted with college admissions.
Michelle also worked for the Harris County District Attorney’s Office, the State Prosecuting Attorney and Susman Godfrey.
Volunteer Activities:
Houston Welcomes Refugees
Houston Volunteer Lawyers

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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. 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. 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