Search
Close this search box.
Meet With An Advisor

PRIVACY POLICY - RPOA Advisors, Inc.

Privacy Policy

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“Retirement Planners of America”, “RPOA”) has adopted this privacy policy with recognition that protecting the privacy and security of the personal information we collect from you is an important responsibility. We want you to know what information we collect and how we use and safeguard that information. This notice describes how we treat the information we receive about you, including the ways in which we will share your personal information within RPOA, as well as with affiliated and unaffiliated third-parties, and your right to opt out of certain types of information sharing.

Information We Collect: We collect certain nonpublic personal information about you (“Personal Information”). The essential purpose for collecting Personal Information is to allow us to provide advisory services to you. Personal Information we collect may include:

  • Information that you provide on applications or other forms. This Personal Information may include personal and household information such as income, spending habits, investment objectives, financial goals, statements of account, and other records concerning your financial condition and assets, together with information concerning employee benefits and retirement plan interests, wills, trusts, mortgages and tax returns.
  • Identifying information such as your name, age, address, social security number, etc.
  • Information about your transactions with us, or others (e.g. broker/dealers, clearing firms, or other chosen investment sponsors).
  • Information we receive from consumer reporting agencies (e.g. credit bureaus), as well as other various materials we may use to provide an appropriate recommendation or to fill a service request.


Accuracy of Personal Information: We will endeavor to ensure your Personal Information is kept accurate, complete, up to date and relevant. Please let us know if any of your details change. If you feel your Personal Information is not accurate, complete or up to date, please notify us and we will take reasonable steps to ensure it is corrected. You can contact us using the details listed below.

Data Security: We restrict our access to Personal Information to those representatives and employees who need the information to perform their job responsibilities within our Firm. We maintain agreements, as well as physical, electronic, and procedural securities measures that comply with federal regulations to safeguard Personal Information about you. When we share your information with third-parties, we do so in a manner designed to maintain the confidentiality of your information to at least the same extent as is required of us.

As http://www.rpoa.com (our “Website”) is linked to the Internet, and the Internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the Internet. Accordingly, any Personal Information or other information which you transmit to us online is transmitted at your own risk.

Information We Disclose to Unaffiliated Third Parties: Because we rely on certain unaffiliated third parties for services that enable us to provide our advisory services to you, such as our attorneys, other consultants, brokers, and custodians who, in the ordinary course of providing their services to us, may require access to your information, it may be necessary to share Personal Information with certain third parties. Certain of these unaffiliated third parties may interact directly with you in connection with the selling of insurance or other products.

Under no circumstances do we share your information with unaffiliated third parties for the purpose of allowing them to market their products or services to you. However, So that unaffiliated third parties can market our services to you and others, we may share your information with these third parties. For example, we may share your information with unaffiliated third-party internet advertising companies and platforms, to allow us to conduct marketing campaigns to current clients or to identify demographically similar audiences to better target our marketing efforts to prospective clients. RPOA does not share SMS opt-in consent with any 3rd party organizations.

Information We Disclose to Affiliated Third Parties: We will disclose your Personal Information we collect in each of the categories listed above to Moraif Insurance Group, Inc. (“MIG”), an affiliated licensed insurance agency. We share office space with MIG and we share the same computer system; therefore, staff members of both entities have access to your Personal Information. MIG is limited in its reuse and re-disclosure of your Personal Information in the same way that RPOA is limited, and as described in this Privacy Notice.

Former Clients: There are instances in which some limited Personal Information, such as email address and physical address may be shared with unaffiliated third parties to assist the firm in identifying demographically similar audiences for digital marketing purposes or to market directly to former clients.

Cookies: We may use “cookies” to help us tailor our Website to better suit your needs (for example, we may use cookies to enable us to save any personal preferences indicated by you) and to provide a more effective route to various components of our Website.

Cookies are small text files that are stored in your computer’s memory and hard drive when you visit certain web pages. They are used to enable Websites to function or to provide information to the owners of a Website.

We use cookies on this Website for the following purposes:

  • Analytical purposes: Analytical cookies allow us to recognize, measure and track visitors to our Website. This helps us to improve and develop the way our Website works, for example, by determining whether site visitors can find information easily, or by identifying the aspects of the site that are of the most interest to them.
  • Usage preferences: Some of the cookies on our Website are activated when visitors to our sites make a choice about their usage of the site. Our Website then ‘remembers’ the settings preferences of the user concerned. This allows us to tailor aspects of the site to the individual user.
  • Terms and conditions: We use cookies on our Website to record when a site visitor has seen a policy, such as this one, or provided consent, such as consent to the terms and conditions on our Website. This helps to improve the user’s experience of our Website – for example, it avoids a user from repeatedly being asked to consent to the same terms.
  • Session management: The software that runs our Website uses cookies for technical purposes needed by the internal workings of our servers. For instance, we use cookies to distribute requests among multiple servers, authenticate users and determine what features of the site they can access, verify the origin of requests, keep track of information about a user’s session and determine which options or pages to display in order for the site to function.
  • Functional purposes: Functional purpose cookies store information that is needed by our applications to process and operate. For example, where transactions or requests within an application involve multiple workflow stages, cookies are used to store the information from each stage temporarily, in order to facilitate completion of the overall transaction or request.
  • Third party cookies. When you visit our Website, you may receive cookies that are set by third parties. These cookies are used for the purposes described in the bullet points above. We do not control the setting of these third party cookies, so we suggest you might wish to check the third party Websites for more information about their use of cookies and how to manage them.
  • Amending Internet browser settings to disable cookies. You can configure your browser to send accept all cookies, reject all cookies, notify you when a cookie is set, or delete cookies that have already been set. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on our Website. In addition, a number of companies offer utilities designed to help you visit Websites anonymously.

For more information about cookies and how to disable them please visit www.allaboutcookies.org, or you may consult the vendor documentation for your specific software.

Do Not Track Signals:

Amending your Internet browser’s Do Not Track signal: Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers and is a way for users to inform websites and online services that they do not want certain information about their webpage visits collected over time and across websites or online services.

To learn more about setting up a Do Not Track signal, please visit https://allaboutdnt.com/.

Opt-out of the collection and sharing of Personal Information: To opt out of receiving direct marketing communications, such as commercial emails, please contact us in writing at the e-mail listed below. The scope of your choice to opt-out will remain subject to applicable federal and state laws, rules, and regulations.

Changes to Our Privacy Policy: In the event there were to be a change in our privacy policy that would permit or require additional disclosures of your Personal Information, we will provide written notice to you, and you will be given an opportunity to direct us as to whether such disclosure is acceptable.

Questions: If you have questions about this privacy notice or have a question about the privacy of your Personal Information please call the main number of the firm at 1-214-665-4102 or contact our Chief Compliance Officer, William Frye, directly at (469) 246-3627 or bill@rpoa.com.

Last Updated: March [ ], 2022

Get Free Email Market Alerts

Sign Up

Contact

Quick Links

Connect With Us

Facebook Twitter Linkedin Youtube Instagram Pinterest
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.

©2022 Retirement Planners of America. All rights reserved.

Careers | Privacy Policy | GDPR Privacy Policy | CCPA Privacy Policy | GDPR Cookie Policy | Form CRS