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You Deserve the Best Retirement Possible

We want our retirement planning services to give you financial peace of mind. We Want OurRetirement Planning Services to Help You Have Financial Peace of Mind. RetirementPlanners of America offers a multi-faceted approach to financial and retirement planning thatgoes beyond just managing your nest egg.

We Provide Retirement Planning Services to Designed to Put You on the Path to Financial Peace of Mind.

Retirement Planners of America offers a multi-faceted approach to financial and retirement planning that goes beyond just managing your nest egg.

If it’s important to you, then it’s important to us. That’s the way we think it should be among friends.

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Meet with one of our advisors today to help you with:

  • Defining your retirement lifestyle. How much income do you need in retirement? How will you generate the income to support your unique lifestyle? Let us help build a plan for you!
  • Making Social Security decisions. The wrong decision about when and how to take Social Security could cost you thousands of dollars in benefits. Let us help you make a more informed decision.
  • Estate planning and inheritances. Whether you want to ensure your estate is in proper order or you you are just getting started, we’d love to help.
  • Medicare and long-term care planning. If you do not have a private health-care policy, Medicare can be a critical component of your retirement plan. We can help you choose the options for your unique situation.
  • Your financial needs after losing a loved one or divorce. If you’ve lost a loved one or are going through a divorce, we don’t think you need the added stress of navigating the financial ramifications alone. Let us help you.
  • Ongoing financial education. Stay informed with newsletters and podcasts that address finances, the current market, and retirement lifestyle issues. Visit our Retirement Education Resource Center.

Learn about Social Security, income tax planning, and other issues that can affect your financial and retirement planning.

Watch a short on-demand webinar.






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  • Financial and Retirement Planning

  • Our firm specializes in retirement planning.

    We can provide:
    • An analysis of your income needs.
    • Development and implementation of a multi-faceted retirement plan.
    • An overall review of your individual financial situation.
    • Recommendations regarding employer-sponsored retirement plans like IRAs and 401(k)s.
    • Regular market updates.

  • Investment Management

  • Many members of our Retirement Planning team have earned the Chartered Retirement Planning Consultant (CRPC©) designation. Our advisors also have a fiduciary duty to our clients, so we are required to always put your interests first. With a multi-faceted retirement plan approach, our consultants:

    • Review your investments and provide financial advice on your portfolio.
    • Frequent in-person meetings to review and evaluate your investments and update your financial objectives.
    • Quarterly re-balancing of your portfolio to help mitigate risk.
    • Recommendations regarding allocations within your employer-provided retirement plans such as 401(k)s.
    • Aggregation of all your accounts to simplify and reduce paperwork.
    • Sell strategy.
    • Buy strategy.
  • Family Legacy Planning

  • Our retirement planning approach is designed to help you protect your family and help you with a plan tat is designed to help carry out your wishes. This includes:

    • Guidance on the appropriate and necessary steps in the event of the death of a loved one.
    • An analysis of existing estate plans.
    • Recommendations for estate plan options, including the option to meet with an unaffiliated attorney for a complimentary estate planning consultation.
    • Assistance in establishing and transferring assets to various types of trust accounts.
    • Guidance on the challenges of establishing an independent trustee versus appointing a family member.
    • A review of beneficiary designations and assistance with the probate process.
  • Income Tax Planning
  • Our holistic approach to retirement planning includes a review of your unique tax situation. Our goal is to help you potentially reduce tax liability and maximize your eligibility to contribute to your retirement plan when possible.

Our firm specializes in retirement planning.

We can provide:
• An analysis of your income needs.
• Development and implementation of a multi-faceted retirement plan.
• An overall review of your individual financial situation.
• Recommendations regarding employer-sponsored retirement plans like IRAs and 401(k)s.
• Regular market updates.

Many members of our Retirement Planning team have earned the Chartered Retirement Planning Consultant (CRPC©) designation. Our advisors also have a fiduciary duty to our clients, so we are required to always put your interests first. With a multi-faceted retirement plan approach, our consultants:

  • Review your investments and provide financial advice on your portfolio.
  • Frequent in-person meetings to review and evaluate your investments and update your financial objectives.
  • Quarterly re-balancing of your portfolio to help mitigate risk.
  • Recommendations regarding allocations within your employer-provided retirement plans such as 401(k)s.
  • Aggregation of all your accounts to simplify and reduce paperwork.
  • Sell strategy.
  • Buy strategy.

Our retirement planning approach is designed to help you protect your family and help you with a plan tat is designed to help carry out your wishes. This includes:

  • Guidance on the appropriate and necessary steps in the event of the death of a loved one.
  • An analysis of existing estate plans.
  • Recommendations for estate plan options, including the option to meet with an unaffiliated attorney for a complimentary estate planning consultation.
  • Assistance in establishing and transferring assets to various types of trust accounts.
  • Guidance on the challenges of establishing an independent trustee versus appointing a family member.
  • A review of beneficiary designations and assistance with the probate process.
Our holistic approach to retirement planning includes a review of your unique tax situation. Our goal is to help you potentially reduce tax liability and maximize your eligibility to contribute to your retirement plan when possible.

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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. Retirement Planners of America does not control a third-party’s collection or use of personal information or tracking technologies. Photos and images on this website are not of past or present clients of Retirement Planners of America. These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.

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