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We Don't Think Retirement Planning Ends When You Retire

If you’re retired, congratulations! You’ve reached what we think should be your second childhood without parental supervision.

But just because you’re retired, we don’t think that means your retirement plan should along with you! We believe your plan should be designed to help make your money last as long as you do, which means it doesn’t get to retire!

We believe your plan should always be working for you to grow your investments, but also protect them from the devastation of a bear market. After all, your investments may need to last a long time. The Social Security administration reports  that:

  • A man reaching 65 today can expect to live until age 84 on average.
  • A woman turning 65 today can expect to live to 86 on average.
  • About one out of every four 65-year-olds, today will live past age 90, and 1 in 10 will live past age 95.

Our philosophy is retirement should be one of the best chapters of your life, and we want you to be able to live it with financial peace of mind.

Our investment strategy was created to help provide you with a sense of security knowing your assets are protected from the stock market’s downside so your retirement income will last as long as possible. We will work with you to build a retirement portfolio that uses our Invest and Protect strategy which is specifically designed to continue growing what you’ve built while also shielding it from a bear market.

Investments Designed to Help Provide Long-Term Retirement Income

The time has come to live solely on your retirement income, and no one wants to run out of money in retirement.

How can your assets last if they are constantly exposed to the risk of the stock market’s looming downside? We want to help.

We believe having an investment strategy that balances growth and protection is the best way to give you long-term income and financial peace of mind. Our Invest and Protect strategy is designed to do just that. It allows you to participate in the stock market’s unlimited upside with what we consider a tolerable downside.

As your Retirement Planner, we consider your unique retirement goals and then create a personalized plan:

1.     We start by looking at all of your income sources. Then we look and your expenses, including long-term needs like healthcare and short-term wants like travel.
2.     Next, we create a retirement plan designed to help you reach your unique goals. This means a portfolio that takes only as much risk as needed to help you reach your financial goals.
3.     Once we have created your investment portfolio, we work to preserve it as much as possible with our Invest and Protect strategy. Our strategy is designed to maximize your retirement income without taking too much risk but also protect your assets from the devastation of a bear market that could threaten your financial stability in your golden years.

Does Your Financial Advisor Specialize in Retirement?

Without the security of a regular paycheck from your employer once you retire can be stressful. Utilizing a professional Retirement Planner may help you achieve financial peace of mind that allows you to enjoy your retirement.

At Retirement Planners of America, our goal is to make your money last as long as you do. We will create and help protect a portfolio that is designed to meet your financial needs right now, when you need your money the most.

Ready to meet with an advisor who specializes in retirement?
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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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