Search
Close this search box.
Meet With An Advisor

Living on Retirement Income Doesn't Have to Be Scary.

When you’re living on retirement income, worrying about running out of money can undermine your ability to enjoy the retirement you’ve worked so hard for.

A multi-faceted retirement plan could help you have peace of mind. It could help guide you so you have a plan that let’s you know when you may be withdrawing too much. Your plan could also help you avoid big losses in a market crash.

That’s why we believe that a retirement plan should include an investment strategy that is designed to help protect your retirement in volatile markets.

We believe that the less exposed your nest egg is, the more you’ll be able to relax. Designed for retirees and those nearing retirement, our Invest and Protect strategy focuses on protecting your savings from extreme losses rather than chasing after high returns. By taking only as much risk as necessary to accomplish your financial goals, we believe you can have what you need to maintain your lifestyle—and avoid running out of money when you’re old.

Our goal is for you to be able to focus on what you want to do in retirement-not  whether you’ll have enough money

Do you know how much you need?

Retirement is no time to stick your head in the sand. We believe it’s important to your financial health and your peace of mind to know what you have and what you need—both now and in the future.

When you meet with a Retirement Planners of America advisor, one of the first things we do is a cash flow analysis. We tally up your expenses, add together all your income, and then look at the difference between the two sums. We would love to give you an in-depth cash flow analysis free of charge to get started.
Meet With An Advisor

Living on Retirement Income? Do You Know Your Hurdle Rate?

Once we analyze your cash flow, we help you estimate your hurdle rate. This is the rate of return we think you’ll need to earn on your investments to keep you on track for the rest of your life. We work with you to construct a portfolio we believe has the highest probability of achieving that hurdle rate while helping minimizing risk.

For example: If you spend less than 4% of your investments each year, we’d aim to make a 4% rate of return. If we consistently reach our goal, we think you could have more money at the end of your life than you do right now.

Updating Your Portfolio While in Retirement.

Completing a cash flow analysis and finding out your hurdle rate are critical first steps, in our view. But you can’t set it and forget it. Things change. The market changes. Your age changes, and your goals might change too.

At Retirement Planners of America, we meet with our clients regularly to help you stay on track. We believe an important part of financial peace of mind is knowing that someone is striving to help you achieve your retirement goals.

That’s our job, and we take it seriously.
Why Us?

Get Free Email Market Alerts

Sign Up

Contact

Quick Links

Connect With Us

Facebook Twitter Linkedin Youtube Instagram Pinterest
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.

©2022 Retirement Planners of America. All rights reserved.

Careers | Privacy Policy | GDPR Privacy Policy | CCPA Privacy Policy | GDPR Cookie Policy | Form CRS