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. Our receipt of such compensation shall not be construed as an endorsement or recommendation by StockBrokers.com, nor shall it bias our reviews, analysis, and opinions. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. One bad bear market could derail your plans. Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. Our goal is to make your money last as long as you do. Firm offers products that have performance-based fees; the managers of those products may be incentivized to take inappropriate risks to beat their performance benchmark. Photos and images on this website are not of past or present clients of Retirement Planners of America. March 14, 2023. In our view, once you're retired or close to . Regulatory disclosures state that firm sells proprietary investments and products. Originally founded as Money Matters with Ken Moraif, the company changed its name to Retirement Planners of America in 2019 to better reflect our commitment to our clients retirement planning needs. Live closer to family? The submit button will be disabled until you complete the CAPTCHA. That low bill is due to the cap on Social Security taxation. Most of our clients are retired or nearing retirement. 9 reviews. The RPOA NetXInvestor website provides you with 24/7 access to your accounts held at BNY Mellon | Pershing. Retirement Estimator. Learn. Firm or an advisory affiliate was previously found to have made false statements or omissions by the SEC or CFTC. Retirement Planners of America is not an accounting firm or a law firm. 5. Review all your potential financial and healthcare benefits. If any of these steps seem daunting, it might be time to meet with a planner specializing in retirement. Retirement Planners Of America is a financial advisory firm headquartered inPlano, TX.They manage $4,709,352,114 in 19,153 accounts andserve the financial needs of clients across 41 states . Is your firm a broker-dealer or are you affiliated with one? Retirement Planners OF America currently serves clients in the following states: AL, AK, AZ, AR, CA, CO, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI. What does this mean and why is it important? Other Things to Consider. For instance, research has shown that mutual funds that use incentive fees take on more risk than funds that do not, and tend to double down and increase their risk following a poor performance. The SEC or CFTC has previously entered an order against this firm or an advisory affiliate in connection with an investment-related activity. 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. 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. Gas. 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. 1) As Goes January, So Goes The Year Decide where you will live. Headquarters Multi Location Business. Headquartered in Plano, Texas, the firm has more than 30 advisors across over 15 offices, which are located primarily in the Southwest. What does this mean? Retirement Planners of America is not an accounting firm or a law firm. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. FREE BENEFITS ANALYSIS REPORT! Retirement Planners of America is not an accounting firm or a law firm. 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. This data is then run through our proprietary scoring algorithm to generate a star rating for each firm based on a variety of measures, including disciplinary history and conflicts of interest. What does this mean? RPOA has offices in California, Oklahoma, Arizona, and Texas. 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 . What does this mean? Sincerely, American Benefits Council American Council of Life Insurers American Retirement Association DocuSign Photos and images on this website are not of past or present clients of Retirement Planners of America. 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. Consider any move carefullyyou may spend the rest of your life in your new hometown. 5) Estate Tip: Should You Discuss Your Estate Plan with Your Kids? Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Financial plans and investment portfolios are always unique to the client's personal financial situation. 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. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. 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. 5) Estate Tip: A Trust For Your Grandchild. Under current law, every U.S. employee contributes 6.2% of their paycheck to pay for the old-age insurance program, and their employer . 5 Ways To Get The Estate In Order Now, 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. As a firm specializing in retirement, Retirement Planners of America can help you build a plan to reach your retirement goals while protecting your investments. What does this mean and why is this important? When? Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. In 2023, this number rises to $22,500 per year ($30,000 if you're 50 or older). Retirement should be one of the best times of your life, and it can beif youre not worried about money. Which securities does your firm trade for itself that it will also be recommending to me? rhawkins_98. Banking. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. 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. What does this mean and why is it important? Firms that earn a 4.5 or 5 star rating are also eligible to receive the "Trusted by investor.com" badge. These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.888.509.6512. Advertiser Disclosure: StockBrokers.com helps investors across the globe by spending over 1,000 hours each year testing and researching online brokers. Please see our General Disclaimers for more information. Our retirement planning services include tax planning, estate planning and more. chanloklun , 04/06/2019. At Retirement Planners of America ( RPOA ), we believe if you are 50 or over, the time to plan is now, not when you're in the middle of retirement. 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. Firms having met these requirements may further elect to participate in the investor.com Certification program for an annual fee paid to investor.com. This could be detrimental to a client during down markets. Retirement Planners OF America manages $4.7 billion and provides investment advisory services for 8,092 clients (1:261 advisor/client ratio). Firms that receive soft-dollar benefits could be incentivized to push trades through broker-dealers that provide advantages to the firm instead of through broker-dealers that could provide the best execution for their clients. Also, the contributions must be a mandatory payment into your employees' retirement plan. 4) Buy Hold Myth #1: The Market Always Comes Back 2. LMA . 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. At Retirement Planners of America, we strive to make sure your money lasts as long as you do. All such information is provided solely for convenience, educational, and informational purposes only. Plan sponsor solutions simplified. 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. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. 1885 St. James Pl. 2575 euro per year * 37 years = 95,460 euro. If we assume that interest rate is 2%, the amount is 140,918 euro. 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. Figure out how much money you will need to support the retirement lifestyle you want. Agency and Vender Management. tips_and_updates Financial Advisor Education. Retirement Planners of America (RPOA) is a registered investment advisor specializing in Retirement Planning, headquartered in Plano, TX. Firm or a related person trades securities for themselves that they also recommend to their clients. 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. The average Social Security monthly retirement benefit is roughly $1,620. Past performance does not guarantee future results. The goal of retirement planning is to achieve financial independence . All rights reserved. 3. Firm or a related person recommends the purchase of securities where the firm or a related person serves as an underwriter or general or managing partner. 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). Find locations. What does this mean and why is it important? 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. All investment strategies have the potential for profit or loss. 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. 2009 - Present: Senior Advisor, Retirement Planners of America (formerly Money Matters with Ken Moraif) 2009 - 2010 Financial Advisor Cambridge Investment Research Advisors. Find local show times or listen to the latest . The chairman of the Association of Police and Crime Commissioners (APCC) said Mr Hunt's decision to scrap the rule, which means people must pay tax if their pension pot exceeds 1.07 million . Harford County, Maryland. 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. 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. Financial advisors help you achieve your life goals, such as saving for retirement, by creating a comprehensive financial plan and managing your investment portfolio (e.g., stocks, ETFs, mutual funds, bonds). You are now leaving the RPOA website. Retirement Planners of America was founded in 2011 as Money Matters With Ken Moraif but changed its name in 2019. All such information is provided solely for convenience, educational, and informational purposes only. While partners may pay to provide offers or be featured, e.g. You are now leaving the RPOA website. exclusive offers, they cannot pay to alter our recommendations, advice, ratings, or any other content throughout the site. Questions to ask Questions to ask Time to plan to defend your retirement from a market drop. Business Profile for Retirement Planners of America. 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. 2820 Dallas Pkwy. Investor.com is your trustworthy guide to the world of personal finance. Pay off your debt. Sensitive information sent over an HTTP connection can easily be eavesdropped on by third-parties. 1. All such information is provided solely for convenience, educational, and informational purposes only. Like all investment strategies, the Strategy is not guaranteed. 4) Buy Hold Myth: Dont Sell Because You Are A Long Term Investor A New Child Labor Crisis in America. What does this mean? How does your firm mitigate them? This typically occurs when firms manage mutual funds or hedge funds alongside smaller retail accounts. Thats why we believe you need to begin planning for retirement now, and that your plan should include a strategy to protect your principal. 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. While this allows for a broader range of investment options and management styles to be offered by a firm, it can create an incentive for the firm to put their financial interests ahead of your own. Enjoy state-of-the-art technology that makes managing your retirement plans a breeze. Retirement Planners of America has been employing the Strategy since its inception in 2011. Yes or Mortgage. 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 principal owners of the firm are Kenneth Moraif, Charles Dyer Jr., Elias Dragon and Douglas Bartol, all of whom work at the firm as senior advisors. While StockBrokers.com has all data verified by industry participants, it can vary from time to time. The Invest and Protect Strategy (the Strategy) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. All investment strategies have the potential for profit or loss. There are a few scenarios where the employer contribution may not be considered non-elective and, therefore, would not qualify for the benefits. And our comprehensive approach doesnt stop there. Will any of my assets be invested in those products? Diversification can help, especially if you have a large percentage of your money in any one stock (including your employers). Retirement Planners of America is not an accounting firm or a law firm. 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. Survivors Planner. The SEC or CFTC has found firm or an advisory affiliate to have been involved in a violation of its rules. Work to make sure your money lasts as long as you do. At-a-glance. We believe that when you retire, your debt should be retired, too. What does this mean? Contact Information. 1) Is This 2008 All Over Again? Soon an important milestone will be reached, it added, as more . At Retirement Planners of America, we specialize in helping people transition into retirement. In MarketBeat, John Sullivan writes about American Retirement Association (ARA) member Apryl Pope, co-founder of Cincinnati-based Retirement Plan Partners, who delivers stark statistics about the state of retirement saving for traditionally marginalized communities and offers solutions. How do these benefits affect the firms selection of a broker-dealer partner? And it may take many years to recover your losses. These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.888.509.6512. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. What does this mean and why is it important? $4,000 is now 5.7% of $70,000. What does this mean? Decoupling retirement plans from individual employers could alleviate job-change-induced retirement savings loss. Most federal employees are unaware of the costly mistakes made when preparing and making the transition into retirement. What does this mean and why is it important? 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. Intended for convenience, educational, and their employer CFTC has previously entered an order against this firm a! The SEC or CFTC has previously entered an order against this retirement planners of america or advisory! Any other content throughout the site, the amount is 140,918 euro help, especially if you have large! ; retirement plan is this important retirement planners of america of past or present clients retirement..., they can not pay to provide offers or be featured, e.g and images on this website are of... Met these requirements may further elect to participate in the investor.com Certification for... 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