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. Should I Hire a Financial Advisor or DIY It? Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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. Financial professionals should disclose all positions they hold (or have sold short) that they will also be recommending to their clients. What does this mean and why is this important? This could also limit the number and diversity of investment options available and may impact their transferability. 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 felony. If any of these steps seem daunting, it might be time to meet with a planner specializing in retirement. Hourly rates average about $100-$400. Sex. What does this mean and why is this important? Apply for Benefits Online. 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. 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. While this can be seen as "eating your own cooking," there are conflicts that may arise. Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. Questions to ask As a Relationship Banker it was my role to develop and maintain new retail and small business . Retirement Planners of America (RPOA) is a registered investment advisor specializing in Retirement Planning, headquartered in Plano, TX. These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.888.509.6512. The Invest and Protect Strategy (the Strategy) refers to a strategy that Retirement Planners of America fundamentally employs for its 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. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. Photos and images on this website are not of past or present clients of Retirement Planners of America. Access savings tools and retirement plan features that go to work for you. The math will help him as he and his advisor develop a retirement income plan, an insurance plan, a tax plan and an estate plan. 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. What does this mean and why is it important? Vice President Relationship Banker 1 & 2. One bad bear market could derail your plans. Editor, Retirement Watch . 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 manages $4.7 billion and provides investment advisory services for 8,092 clients (1:261 advisor/client ratio). Then well help you create a plan that addresses when and how to take benefits to help you maximize every income-generating opportunity you can put to use in the five years before you retire. OP is currently 30 years old, 37 years to go until retirement. What does this mean? Does your firm, or anyone associated with the firm, practice as a law firm? Retirement Planners of America has been employing the Strategy since its inception in 2011. 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. The headquarters of Retirement Planners OF America is 2820 Dallas Parkway Plano, TX 75093. View recent press featuring Ken Moraif: If youre retired or retiring soon, we think its time to meet with a retirement planner who understands your unique needs. Therefore, any references to Retirement Planners of Americas performance or its investment advisory recommendations predating 2011 generally refer to recommendations made by Retirement Planners of Americas principals at the respective other firms described above. Our retirement planning services include tax planning, estate planning and more. Banking. In our view, once you're retired or close to . Under current law, employers with less than 100 employees that adopt a new retirement plan can qualify for an annual tax credit for up to three years equal to the lesser of (1) 50% of the administrative cost of establishing the plan, or (2) $5,000. Find local show times or listen to the latest . A general overall target is often said to be $1 million. 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 . Marketing Strategy. 1) As Goes January, So Goes The Year More than 1 in 3 of plan participants withdraw part or all of their retirement plan assets following a job change, with lost savings amounting to between $60 billion and $105 billion per year. You deserve the best retirement possible. 3.2. 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. 5) Estate Tip: The Irrevocable Life Insurance Trust. What does this mean? 2) An Alternative To Banks For example, front-running is when a financial professional buys or sell securities ahead of their client. Dont know where to begin? Federal Employee Benefit Planners is a national network of financial professionals who specialize in helping federal employees the most out of their federal benefits, pre and post retirement. Firm or related person receives soft-dollar benefits in connection with client securities transactions. We appreciate the IRS' practical approach to this issue that protects plan participants and beneficiaries, but also allows flexibility to plan sponsors, participants and spouses. At Retirement Planners of America, we not only specialize in retirement planning, but on individualized planning. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Photos and images on this website are not of past or present clients of Retirement Planners of America. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. On the heels of an already bad year, retirement 401 (k) account balances have taken a significant hit, but that makes this the best time to invest, one expert says. When? These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.888.509.6512. 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. Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. All such information is provided solely for convenience, educational, and informational purposes only. Does the firm offer products that have performance-based fees, or does it accept performance-based fees? 3. When firms are dual-registered as broker-dealers, they may be subject to compensation-related conflicts of interest, including revenue sharing from mutual funds and the sale of proprietary investment products. 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. Please provide me a list of the products and a summary of how much your firm earns from them. Like all investment strategies, the Strategy is not guaranteed. The Retirement Planners of America team includes 36 investment advisors. This could be detrimental to a client during down markets. Houston, TX. Plano, Texas, United States. What does this mean? Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. For further detail, see our articles on different types of advisors and financial advisor services. 5. Review all your potential financial and healthcare benefits. The Invest and Protect Strategy (the Strategy) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Many investors focus on growth during their working years to build savings. 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. While partners may pay to provide offers or be featured, e.g. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Or, follow this link to learn how you can claim your free copy of the NEW AMERICAN RETIREMENT PLAN, which includes the very best solutions for offsetting this new U.S. law. 9 reviews. 4) Bad Investors Think Of Ways To Make Money. Guaranteed interest rate for Riester is currently 0.9% = 113,229 euro after 37 years (capital including interest). 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. But if youre over 50, youre in the game for growth; youre in it to protect principal. "Trusted by investor.com" status is reserved to those financial advisor firms meeting investor.com's strict requirements, beginning with earning no less than a 4.5 to 5 -star rating based on investor.com's independent Trust algorithm analysis. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Terms of Use | Disclaimers | Privacy Policy. 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. 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. How do we make money? Retirement Planners & Administrators deliver expert services for 401(k) plans including custom plan design, plan compliance, retirement plan consulting services, payroll solutions and recordkeeping. Firm or an advisory affiliate has previously had their authorization to act as an attorney, accountant, or federal contractor revoked or suspended. 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). 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. You are now leaving the RPOA website. Firm or an advisory affiliate has previously been fined or ordered to cease and desist activity by the SEC or CFTC. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. Retirement Planners of America has been employing the Strategy since its inception in 2011. RPOA has offices in California, Oklahoma, Arizona, and Texas. Operating as an online business, this site may be compensated through third party advertisers. Sincerely, American Benefits Council American Council of Life Insurers American Retirement Association DocuSign Will anyone that was involved be involved with my accounts in any capacity? Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. The survey was conducted online by Greenwald Research, in partnership with ISS Media, on behalf of MetLife between Oct. 25-Dec. 9, 2022, among 74 defined contribution (DC) plan consultants who needed to be at least somewhat knowledgeable about various DC plan retirement income options and have at least one retirement plan client with $500 . Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. Questions to ask Retirement Planners of America is a mid-sized financial advisory firm that specializes in retirement planning. Firm performs side-by-side management with accounts that have differing fee structures. 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. 2023 Reink Media Group LLC. Regulatory disclosures state that firm sells proprietary investments and products. Here's how we make money. While StockBrokers.com has all data verified by industry participants, it can vary from time to time. Meet with a Retirement Planners of America Advisor. Any data inaccuracies, please contact our team. However, deposits included within a 401 (k) are insured if the savings plan is administered by an FDIC-insured financial institution. 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. Millions of Americans are considering retirement as we kick off the new . Retirement Planners of America is a Registered Investment Advisory Firm that manages over $4.7 billion for over 8K clients. 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. 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. Find locations. Questions to ask Thats why we believe you need to begin planning for retirement now, and that your plan should include a strategy to protect your principal. Time to plan to defend your retirement from a market drop. A regulatory agency has previously denied, suspended, or revoked the firms or an advisory affiliates registration or license or otherwise restricted their activities. You deserve the best retirement possible. What does this mean? Firms having met these requirements may further elect to participate in the investor.com Certification program for an annual fee paid to investor.com. Questions to ask For instructions on registering your account: Download Here. When performance-based fees are charged, the financial advisor is paid for outperforming a benchmark, typically an index. Does your firm perform side-by-side management? 2009 - Present: Senior Advisor, Retirement Planners of America (formerly Money Matters with Ken Moraif) 2009 - 2010 Financial Advisor Cambridge Investment Research Advisors. Headquartered in Plano, Texas, the firm has more than 30 advisors across over 15 offices, which are located primarily in the Southwest. 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. Most of our clients are retired or nearing retirement. 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. Live closer to family? 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 . What conflicts arise from this relationship? 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. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. Firm or an advisory affiliate has previously had an investment-related civil action dismissed against them following a cash settlement in court. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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. 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. from WalletHub and across the web. We want that for you, too. These conflicts can negatively impact clients via hidden fees and overall higher costs. Figure out how much money you will need to support the retirement lifestyle you want. The fee-based firm, which was originally called Money Matters with Ken Moraif. 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). A New Child Labor Crisis in America. 4) Why Having A Stop Loss Could Save Your Retirement We believe that if youre retired or retiring soon, your investment strategy must shift, and we have an Invest and Protect strategy to help you protect your savings. That low bill is due to the cap on Social Security taxation. At Retirement Planners of America, we not only specialize in retirement planning, but on individualized planning. 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. To file a complaint or dispute with this firm, please fill out the SEC Investor Complaint Form. Retirement Planners OF America manages $4.7 billion and provides investment advisory services for 8,092 clients (1:261 advisor/client ratio). . LMA . FREE BENEFITS ANALYSIS REPORT! Tools. The RPOA NetXInvestor website provides you with 24/7 access to your accounts held at BNY Mellon | Pershing. Financial Services. What does this mean? 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. What does this mean and why is it important? 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. You are now leaving the RPOA website. 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. 1-800-552-1152. 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. 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. 1) Is This 2008 All Over Again? Let's take a closer look at this retirement . 4) Risk #11 Faced In Retirement: Sequence Of Returns Risk 1. Contact Information. 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 planning, in a financial context, refers to the allocation of savings or revenue for retirement. Our advisors offer services for clients across the country. Like all investment strategies, the Strategy is not guaranteed. The Invest and Protect Strategy (the Strategy) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. We make meeting with you easy. Neither the SEC nor FINRA tracks portfolio performance metrics for the financial planning industry. Retirement Planners of America. Firm is a broker-dealer, or is affiliated with one, and may be subject to compensation-related conflicts of interest. 5) Estate Tip: Should You Discuss Your Estate Plan with Your Kids? What does this mean? Each month, investor.com helps thousands of Americans answer the question, "Can I trust you?". What does this mean? While this may seem like an attractive compensation structure to ensure your advisor is making your money work for you, often, the managers of those products are incentivized to take inappropriate risks to beat their performance benchmark. There are a few scenarios where the employer contribution may not be considered non-elective and, therefore, would not qualify for the benefits. In 2023, this number rises to $22,500 per year ($30,000 if you're 50 or older). Participation in the Certification program, including the payment of an annual fee to investor.com, does not guarantee or in any way bias investor.com's decision to award "Trusted by investor.com" status, and "Trusted by investor.com" status shall not constitute or be construed as an endorsement of any firm by investor.com. In total, Retirement Planners OF America manages $4.7 billion in assets. We specialize in retirement planning. A percentage of assets under your management. The firm offers a strategy known as Invest and Protect to help you protect your . Past performance does not guarantee future results. Founded in 2018 as an unbiased resource empowering consumers to research and compare financial advisory firms, investor.com today gives consumers the tools to make smart money decisions about credit, retirement planning, and more. National press turns to Retirement Planners of America for insight on issues affecting todays investors. A Self-Regulatory Organization 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. At Retirement Planners of America, we strive to make sure your money lasts as long as you do. Investor.com relies on regulatory data from the SEC to rate and review financial advisor firms. 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 . 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. Firm or an advisory affiliate was previously found to have made false statements or omissions by a self-regulatory organization. Survivors Planner. Jul 2021 - Present1 year 9 months. Moraif argues that you cannot afford to sustain large losses in the early years of retirement because you may run out of money. 2) What Is The Most Important Number You Need To Know For Retirement Planning? Just as retirement is more than just money, retirement planning is more than just investing wisely. We believe that once you reach 50, its time to start playing defense with your investments. Please see our General Disclaimers for more information. Coordination With Sales. In our survey, just 2.4% of men and 1.5% of women had reached $1 million in retirement savings. See: With A Recession Looming, Take These 3 . exclusive offers, they cannot pay to alter our recommendations, advice, ratings, or any other content throughout the site. Financial plans and investment portfolios are always unique to the client's personal financial situation. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Soon an important milestone will be reached, it added, as more . The average Social Security monthly retirement benefit is roughly $1,620. What does this mean? By visiting these sites, you are subject to their terms of use (IAPD, BrokerCheck). 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. We look forward to working with the IRS on this issue. * Our credentialed Retirement Planners provide financial and other . A self-regulatory organization or commodities exchange has found firm or an advisory affiliate to have been involved in a violation of its rules. Our retirement goal for you: financial peace of mind. Retirement Planners of America was co-founded in 2011 by Ken Moraif, who hosts the radio show "Money Matters with Ken Moraif" and is known for calling the 2008 stock market crash. Therefore, any references to Retirement Planners of Americas performance or its investment advisory recommendations predating 2011 generally refer to recommendations made by Retirement Planners of Americas principals at the respective other firms described above. A domestic or foreign court has previously found firm or an advisory affiliate was involved in a violation of investment-related statutes or regulations. Inc. 1988 - 2009: Financial Advisor, New York Life, Eagle Strategies, LLC. March 14, 2023. 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. Retirement Planners of America Background. Healthcare benefits plan to defend your retirement from a professional adviser ( RPOA ) is a broker-dealer or. Tracks portfolio performance metrics for the benefits is a mid-sized financial retirement planners of america firm that manages over $ billion. Estate planning and more America will generally upon the accuracy and completeness of the provided. These steps seem daunting, it added, as more or close to years of retirement Planners America. 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