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Does Your Retirement Strategy Help Protect Your Investments?

Some strategies for retirement investments ask you to ride the market like a roller coaster. That level of risk-taking may work when you’re younger and focused only on growth, but we think that roller coaster rides can be dangerous to your financial health when you’re retired or close to retirement.

  • What if you lose too much money and don’t have time to rebuild?
  • What if you have to completely change your way of life?
  • What if your money runs out?


Our retirement planning strategy is designed to help your money last as long as you need.

The Invest and Protect Strategy: Created for Retirees

We don’t want you to have to worry about running out of money in retirement. That’s why we employ our Invest and Protect Strategy. Designed for retirees and those nearing retirement, our proactive strategy is designed to help protect your retirement savings from a volatile market. Unlike some strategies for retirement that may emphasize growth alone, our approach focuses on helping you protect your principal and minimize losses.

Living on retirement income can be stressful if you have to worry about running out of money. We’d like to help you achieve financial peace of mind by working to help protect your retirement.

How can we help you find the right strategies for your retirement?

Watch a short webinar on our approach

Our goal is to have your money last as long as you do.

Learn how in a short retirement planning webinar.

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How the Invest and Protect Strategy Works

Many people start their savings with a “buy and hold” saving strategy, where you “ride out” any bad markets. This often works for investors when they are young and have time to recover from big losses. But some retirees find that they can’t afford to wait years for the market to come back when they’re living on that money, or plan to do so soon.

That’s why our Invest and Protect Strategy includes a third component. We buy investments, hold them when the market trends upward, and then help protect them when the market is dropping to a point that we think indicates a bear market is on the horizon. Our objective mathematical strategy sounds an alarm to get out of the market when it starts trending toward downward. The Invest and Protect Strategy is a form of “Stop-Loss,” an approach that provides an objective point at which we believe investments should be sold.
 

Our strategy sounded an alert in October 2007, so we counseled our clients, email newsletter subscribers and listeners of the Money Matters with Ken Moraif radio show to get out of the market. We feel proud that our advice may have helped people protect their retirement investments during the crash of 2008.

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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. 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