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Ken Moraif,

MBA, CFP®, CRPC™, is the founder and CEO of Retirement Planners of America and host of the Retirement Planners of America Podcast. With over 45 years of experience, Ken is dedicated to helping people who are retired or retiring soon achieve financial peace of mind. He was previously the host of the nationally syndicated radio show Money Matters with Ken Moraif and is the author of the book Buy, Hold & SELL!. Ken has been recognized by Barron’s as one of the top financial advisors in Texas and one of the top 100 independent wealth advisors in the nation. He has been featured in CNBC, Forbes, Fox Business, The Wall Street Journal, USA Today, U.S. News & World Report, and more.

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Jun 20, 2025
In this episode, Ken and Jeremy explore the idea of a “magic number”—a personal figure tied to your financial future that can influence the way you think about retirement, risk, and planning. This conversation is part of a broader series focused on helping you think through key financial decisions with clarity. Want more thoughtful takes on planning, strategy, and long-term financial thinking? Check out the rest of our videos for more ideas worth considering. RPOA Advisors, Inc., doing business as Retirement Planners of America ("RPOA"), is an SEC-registered investment adviser headquartered in Plano, Texas. Registration does not imply a certain level of skill or training. Past performance does not guarantee future results. Backtested performance is hypothetical, does not represent actual investment results, and has certain limitations. Hypothetical backtests are created with the benefit of hindsight, may not reflect the impact of material economic and market factors, and do not account for all factors, such as transaction costs, taxes, fees, or liquidity constraints. Testimonials mentioned in this video may not represent the experiences of all clients. The Invest and Protect Strategy may not be suitable for everyone and involves risks, including potential loss of principal. Please discuss these risks and suitability directly with your financial advisor before making investment decisions. See disclosures at https://www.rpoa.com/disclosures/

The information provided in this webinar is for educational purposes only and does not constitute investment advice specific to any individual. Past performance examples are not indicative of future results. The views and opinions expressed by the guest(s) on this podcast are solely their own and do not necessarily reflect the views, opinions, or positions of RPOA.

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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. 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. Retirement Planners of America does not control a third-party’s collection or use of personal information or tracking technologies. Photos and images on this website are not of past or present clients of Retirement Planners of America. These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.

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