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Do You Have a Retirement Plan That Gives You Financial Peace of Mind?

We think retirement can be one of the best chapters of your life…if you have a plan. You may feel you are prepared because you’ve been building your nest egg for years, but what about Social Security, Medicare, estate planning, taxes, life insurance and other aspects of retirement living?

We think retirement planning goes far beyond having the right financial plan, and that having the right plan that meets your unique needs is key to having financial peace of mind in retirement.

If you’re over 50, we think it’s time to prepare a plan that helps you live the retirement lifestyle you want. Retirement Planners of America specializes in retirement, and we can you build a retirement plan that is designed to make your money last as long as you do and give you financial peace of mind.

Protect Your Financial Future Today

We believe the five years before you retire and the five years after you retire are the most important years of your entire financial life. A loss of retirement savings during those years could prevent you from being able to live the retirement lifestyle you want.

Our goal is to make your money last as long as you do. That’s why we believe if you’re 50 or older, you need to have a retirement plan that includes a strategy to protect your principal. Our Invest and Protect Strategy is designed to do just that. Learn more today! 

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Over 50? Here are Five Steps We Think You Should Take Today!

Are you financially prepared for retirement? Our Retirement Planners can help you estimate how much you’ll need to help you sustain your standard of living in retirement.

We believe that once you reach 50, it’s time to start playing defense with your investments. Diversification can help, but we you need an investment strategy to protect your assets from a market crash. Our Invest and Protect™strategy is designed to help shield you from the devastating impact a bear market could have on your retirement plan.

We believe when you retire, so should your debt.

Do you want to downsize? Move out of the city? Live closer to family? Think a retirement relocation through carefully—you may spend the rest of your life in your new hometown!

We can help you calculate your retirement income and healthcare expenses, and determine how your employer plan may help meet your needs. We can also help you decide when to take, Social Security.review the Medicare options you may need.

Meet With An Advisor

A credentialed Retirement Planner can help you build a retirement plan that is designed to meet your unique needs. Schedule a meeting with a Retirement Planners of America advisor today.

Deciding When to Retire? Let Your Retirement Plan Guide You.

As they say, timing is everything. And we think that’s certainly true when it comes to retirement.

We believe having a retirement plan in place can help. We think your plan should address the decisions you’ll need to make to be able to support the lifestyle you want, and a strategy to protect that plan.

Retirement Planners of America specializes in retirement.

· Growing and protecting your nest egg
· Identifying the best time for you to retire
· Deciding when and how to take Social Security
· Estimating the amount of money you’ll need to support your lifestyle
· Determining the rate of return you’ll need to earn on your investments to reach your financial goals.

Our Retirement Cash-Flow Analysis

We think your your retirement plan should start with a cash-flow analysis. This can help you determine how much you’ll need in savings to meet your retirement expenses and where you are in relation to your financial goals.

To begin, calculate all of your retirement income sources.

This includes:

  • Social Security benefits
  • Pensions
  • Rental property income
  • Any projected part-time employment income

Next, determine all of the expenses you’ll have when you’re retired.

Make sure to include travel and other related expenses for desired lifestyle. These could include:

  • Car payments
  • Mortgages
  • Property taxes
  • Groceries and other everyday expenses
  • Insurance premiums
  • Tithing or charitable giving
  • Travel
  • Eating out
  • Club memberships, recreation fees, or hobby-related expenses

Subtract your total expenses from your total income.

Don’t be surprised if you find you have a deficit. This can help you plan for how much more you’ll need to save to be able to support the lifestyle you want.

What Is My "Magic Number?"

We call the amount of money you need to have saved to support your retirement lifestyle your “Magic Number.”
 
Your Magic Number can help guide you in estimating how much more you’ll need to save, and make a plan to help you reach your goal.
 
 We can help calculate your Magic Number, and create a customized retirement plan designed to grow and help protect your savings.
 

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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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