Past performance does not guarantee future results. 469-246-3600 Millions of Americans are considering retirement as we kick off the new . You are now leaving the RPOA website. 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. And our comprehensive approach doesnt stop there. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Retirement Planners of Americas services will vary based upon a variety of factors, such as the clients investment, tax, and financial circumstances and overall objectives. The goal of retirement planning is to achieve financial independence . Firm performs side-by-side management with accounts that have differing fee structures. This situation may lead the firm or a related person to recommend proprietary investments and products that could generate larger commissions than other similar non-proprietary products. The firm, which was founded in 2011 as Money Matters with Ken Moraif, serves over 7,500 . Accepting this consent is not required to obtain any good or service. RPOA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, accessed through the link provided, and takes no responsibility for the same. RPOA has offices in California, Oklahoma, Arizona, and Texas. Our advisors can help you determine how much you need in savings in order to have enough retirement income to sustain your standard of living. What does this mean? 4) Buy Hold Myth: Dont Sell Because You Are A Long Term Investor Inc. 1988 - 2009: Financial Advisor, New York Life, Eagle Strategies, LLC. 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. OP is currently 30 years old, 37 years to go until retirement. We specialize in retirement planning. 1983 - 1988: Management Advisor, Research Institute of America. 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. Schedule a meeting with a Retirement Planners of America advisor today. What does this mean and why is it important? Sep 2006 - Aug 20082 years. Firm or one of its employees previously has been subject to a suspension or expulsion or other restriction of activities by a Self-Regulating Organization or commodities exchange. All such information is provided solely for convenience, educational, and informational purposes only. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Access savings tools and retirement plan features that go to work for you. What does this mean? Retirement Planners of America Financial Services Plano, Texas 661 followers We provide financial planning, investment management, family estate planning & income tax planning services nationwide. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. Financial plans and investment portfolios are always unique to the client's personal financial situation. *SEC data last verified January 06, 2023. compensation-related conflicts of interest, Types of Financial Advisors and How to Choose, What's a Fiduciary (and Why It Matters So Much). 2023 Reink Media Group LLC. Based in Dallas and Fort Worth, Texas - DFW Retirement Planners was founded in 2004 and includes a dedicated family team that's here to assist you with all of your money management needs.We specialize in evaluating and analyzing complex and challenging financial situations that affect retirees and those . 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. The money for the Central States Pension Fund is the largest amount of federal aid provided for a pension plan, the Biden administration said, and comes from the American Rescue Plan, a $1.9 . What does this mean? Firm or related person receives soft-dollar benefits in connection with client securities transactions. 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. 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. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. 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. Retirement Planners OF America manages $4.7 billion and provides investment advisory services for 8,092 clients (1:261 advisor/client ratio). Firm is a broker-dealer, or is affiliated with one, and may be subject to compensation-related conflicts of interest. In the past 10 years, a domestic or foreign court has issued an injunction against the firm or an advisory affiliate in connection with an investment-related activity. However, deposits included within a 401 (k) are insured if the savings plan is administered by an FDIC-insured financial institution. Checks take place monthly. Retirement Planners of America has been employing the Strategy since its inception in 2011. I find the show to have valuable insights, and Ken takes a logical approach to near term market forecasting for people who could have their lives ruined by a bear market. Photos and images on this website are not of past or present clients of Retirement Planners of America. Retirement Planners of America is not an accounting firm or a law firm. In order to offer comprehensive planning, our advisors receive ongoing training, not just about market and investment matters, but about important retirement-related subjects, like family legacy planning, Social Security issues, and income tax planning. These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.888.509.6512. People are loving our new text alerts! The fee-based firm, which was originally called Money Matters with Ken Moraif. It's time to prepare for a fall in the market. By clicking "submit," below I expressly consent to Retirement Planners of America, directly or by third-parties acting on its behalf, to send marketing/promotional messages- including texts and calls made using an automatic telephone dialing system or pre-recorded or artificial voice . rhawkins_98. What does this mean and why is this important? You might be forced to delay retirement or risk running out of money earlyand it might take years to recoup your losses. 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 clients financial affairs. Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. 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. How long will you live in retirement? Questions to ask
These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.888.509.6512. SEI Private Trust Company is used as one of our primary custodians. Contact Information. Since 1945, Mutual of America has specialized in providing small and mid-sized not-for-profit organizations and companies with pension- and retirement-related . Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. Which securities does your firm trade for itself that it will also be recommending to me? You are now leaving the RPOA website. The SEC or CFTC has previously found the firm or an advisory affiliate responsible for having an investment-related business have its authorization to do business denied, suspended, or revoked. Qualified participating firms must abide by investor.com Certification program's terms and conditions when utilizing an awarded "Trusted by investor.com" badge, as well as in connection with permitted enhancements to the firm's investor.com profile page. 4. Retirement Planners of America (RPOA) is a registered investment advisor specializing in Retirement Planning, headquartered in Plano, TX. How do these benefits affect the firms selection of a broker-dealer partner? 2009 - Present: Senior Advisor, Retirement Planners of America (formerly Money Matters with Ken Moraif) 2009 - 2010 Financial Advisor Cambridge Investment Research Advisors. Plano, Texas, United States. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Retirement Planners of Americas services will vary based upon a variety of factors, such as the clients investment and financial circumstances, the clients tax bracket, the nature and amount of the clients employer and outside benefits, the clients level of cooperation and communication, and the clients overall objectives. Why does your firm believe in offering commission-based services to clients? All such information is provided solely for convenience, educational, and informational purposes only. 2) What Is The Most Important Number You Need To Know For Retirement Planning? For instructions on registering your account: Download Here. Firm offers mutual funds that carry 12b-1 fees, which increases the total annual cost of owning the fund (with no guarantee of higher returns). 5) Estate Tip: Revocable Vs. Irrevocable Trust, What Are Pluses and Minuses? Is your firm affiliated with a law firm in any capacity? What does this mean and why is this important? This is the podcast version of the weekend AM radio infomercial for Retirement Planners of America. In the past ten years, firm or an advisory affiliate has been convicted of or pled guilty or nolo contendere ("no contest") in a domestic, foreign, or military court to a misdemeanor involving: investments or an investment-related business, or any fraud, false statements, or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, extortion, or a conspiracy to commit any of these offenses. . Coordination With Sales. The average Social Security monthly retirement benefit is roughly $1,620. When? chanloklun , 04/06/2019. Our system found no disciplinary alerts. Is your firm a broker-dealer or are you affiliated with one? The discussions contained on this page are not a substitute for investment advice from a professional adviser. Editor, Retirement Watch . MMWKM Advisors, LLC (d/b/a Retirement Planners of America ) ("Retirement Planners of America") is an SEC registered investment adviser with a primary business location in Plano, Texas. That insecurity and unpredictability can be unsettling when it comes to living off those investments. What does this mean and why is this important? RPOA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, accessed through the link provided, and takes no responsibility for the same. 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. They have kept my money safe so they get points for that, it has not grown. A loss of retirement savings during those years could severely impair your ability to support the retirement lifestyle you want. Five percent of women and 9% of men had saved between $100,000 and $300,000, and 25% of women and 29% of men had saved just $10,000 or less. 2) How To Calculate Your Magic Number For further detail, see our articles on different types of advisors and financial advisor services. We want you to achieve your retirement goals so you can sleep well at night. RPOA has offices in California, Oklahoma, Arizona, and Texas. 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. And our comprehensive approach doesn't stop . While partners may pay to provide offers or be featured, e.g. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. Unlike HTTPS connections, HTTP connections are not encrypted. What conflicts arise from this relationship? Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Retirement Planners of Americas services will vary based upon a variety of factors, such as the clients investment, tax, and financial circumstances and overall objectives. 5) Estate Tip: The Irrevocable Life Insurance Trust. Does your fim accept soft-dollar benefits? 2820 Dallas Pkwy. Will any of my assets be invested in those products? It Looks Like Inflation Is Here To Stay For A While, 550 KFYI-AM Saturday2pm-3pmand Sunday1:30pm-2pm. Past performance does not guarantee future results. You are now leaving the RPOA website. What does this mean and why is it important? Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. Questions to ask
The firm, which was founded in 2011 as Money Matters with Ken Moraif, serves over 7,500 . 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 Americas 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 Americas founder, Ken Moraif. Depends on how much of your money the planner . Do you want to downsize? A New Child Labor Crisis in America. Participant Account Representative. At Retirement Planners of America, we strive to make sure your money lasts as long as you do. Retirement Planners of America was founded in 2011 as Money Matters With Ken Moraif but changed its name in 2019. The firm, which was founded in 2011 as Money Matters with Ken Moraif, serves over 7,500 . Retirement Planners of America is a registered investment advisory firm that specializes in retirement planning. In our survey, just 2.4% of men and 1.5% of women had reached $1 million in retirement savings. Kind Regards, Bob Carlson. By clicking submit, below I expressly consent to Retirement Planners of America, directly or by third-parties acting on its behalf, to send marketing/promotional messages- including texts and calls made using an automatic telephone dialing system or pre-recorded or artificial voice messages- related to the product or service I am inquiring about to the number I provide above. 1) Is This 2008 All Over Again? How do we make money? Will anyone that was involved be involved with my accounts in any capacity? A regulatory agency other than the SEC or CFTC has previously found the firm or an advisory affiliate responsible for having an investment-related business have its authorization to do business denied, suspended, or revoked. 2575 euro per year * 37 years = 95,460 euro. Suite 700, Houston, Texas 77056, 1780 Hughes Landing Blvd Suite 360, The Woodlands, Texas 77381, 18500 Von Karman Ave Suite 520, Irvine, California 92612, 1224 S. River Road, B-201, Office 231, St. George, Utah 84790, 1300 Summit Avenue Suite 600, Fort Worth, Texas 76102, 3030 Northwest Expressway Suite 200, Oklahoma City, Oklahoma 73112, 790 East Colorado Boulevard Suite 560, Pasadena, California 91101, 10900-b Stonelake Boulevard Suite 205, Austin, Texas 78759, 841 Apollo Street Suite 330, El Segundo, California 90245. 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 Americas 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 Americas founder, Ken Moraif. While this can be seen as "eating your own cooking," there are conflicts that may arise. 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. Firm or a related person trades securities for themselves that they also recommend to their clients. Down markets are ideal for . What does this mean and why is it important? We can help. Retirement Estimator. We believe that once you reach 50, its time to start playing defense with your investments. See: With A Recession Looming, Take These 3 . Total contribution from yourself as an employee . It is possible to be forced into retirement, or you could run out of cash early. 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. What does this mean? This calculator will show you the average number of additional years a person can expect to live, based only on the sex and date of birth you enter. Expand state-sponsored savings programs. The firm offers a strategy known as Invest and Protect to help you protect your . Retirement Planners of America has been employing the Strategy since its inception in 2011. The Money Matters with Ken Moraif Radio Show is brought to you by Retirement Planners of America. 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. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. Regulatory disclosures state that firm sells proprietary investments and products. No. Find locations. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. Based on current estimates, a 65 year old man can expect to live approximately 18 years in retirement, and a 65 year old woman can expect to live about 20 years, but many people live longer. We look forward to working with the IRS on this issue. Firm is affiliated with an insurance company or agent who may be motivated to insure clients with products that generate high sales commissions when lower cost alternatives may exist. The fee-based firm, which was originally called Money Matters with Ken Moraif individualized advice or recommendations Tip: Vs.... Sure your Money the retirement planners of america not required to obtain any good or service &. Or its representatives by any client.888.509.6512 conflicts of interest delay retirement or risk out! Or service to working with the IRS on this issue on different types of advisors and financial advisor.! The new a professional adviser America ( rpoa ) is a broker-dealer, or is affiliated with one America we. 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