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Begin Estate Planning for Retirement Now.

Planning for retirement can be exciting. Just imagine what you’ll do now that you have the time—the places you’ll go, the people you’ll see and the things you’ll do! But planning for retirement is also a serious business. It often includes important decisions about when to take Social Security,  what Medicare option is best for you, how to help protect your investments, and your plans to protect your family when you’re gone.

Now is the time to develop a plan for your estate so that you can relax and enjoy your retirement, knowing that you have created your plan to help provide for your family and ensure that your wishes will be carried out. Retirement Planners of America advisors can help you with estate planning for retirement as part of multi-faceted approach to retirement planning. After all, our goal is for you to have financial peace of mind, and that includes peace of mind knowing you have a plan for your legacy.

Estate Planning for Retirement: Avoid These 10 Mistakes.

As you begin the estate planning process, you’ll need to consider several factors. Did you receive an inheritance? Are you planning to sell your small business or downsize your home? Do you want to gift assets while you’re alive, or bequeath them after you’re gone?

Estate planning for retirement is complicated. To make sure your wishes are followed, we suggest avoiding these ten estate-planning mistakes:

  1. Not having a plan at all
  2. Neglecting to update your plan
  3. Making beneficiary mistakes
  4. Forgetting to account for taxes
  5. Leaving assets directly to a minor
  6. Not putting life insurance policies in a trust
  7. Choosing the wrong person to handle your estate
  8. Not coordinating retirement plans and trusts
  9. Using a poorly drafted plan
  10. Crafting a plan by yourself


To learn more, download an expanded version of: Avoid These 10 Estate Planning Mistakes.

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Investing Inheritance Money May Help Maximize Your Retirement.

If you’ve received an inheritance, you may want to consider putting some of it into your savings for retirement. Studies report that most inheritances are spent within five years , and that one-third of heirs have negative savings within two years of receiving their inheritance.

Investing inheritance money instead of spending it now could help you reach your retirement goals.

We’d be happy to help you make an informed decision regarding your inheritance based on your unique circumstances.  We specialize in retirement planning, and we can help you manage an inheritance, review your existing estate plan or help you create a plan that meets your needs. We can also refer you to an estate planning attorney for more advance estate planning needs.

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Don't Forget Wills and Trusts in Your Retirement and Estate Planning.

Wills and trusts can do more than leave money to your heirs. Putting these in place can help ensure your wishes are carried out and save your family from dealing with stressful red tape.

We believe wills and trusts play an important role in your retirement and estate planning. Each has its own advantages and how you use them may vary depending on your unique situation. If you are 50 or over, we think it’s time to explore all of your estate planning options and learn more about how wills and trusts could affect your heirs’ finances—and your retirement plan.

Both wills and trusts allow you to name beneficiaries for your assets, but there are a few key differences to keep in mind.

A will is a legal document that directs the distribution of your property after you die. Its termsdo not stay private as it becomes a public document after your death.

A will can be used to:

  • Name an executor
  • Name a guardian for children
  • Specify your wishes and funeral arrangements


A will does not cover property held in joint tenancy or in a trust.

A will has to pass through probate and takes effect when you die.

A trust is a legal arrangement that allows a person or organization to hold property foranother person, persons or organization.

A trust can:

  • Provide tax savings
  • Offer protection from court proceedings
  • Create a plan for disability, or provide for disabled family members without disqualifying them from government benefits


A trust only includes property that has been put in the name of the trust, and it never includes all of your assets.

A trust does not need to pass through probate and takes effect at the time it is created.

We believe most people need a will, including those who use trusts. But there are different types of wills, as well as different types of trusts. What’s the best choice for you and your heirs?

We can help you review your options regarding wills and trusts. As a firm that specializes in retirement, we can guide you through the important steps of retirement and estate planning,including:

  • Naming or updating beneficiaries on all of your financial accounts and life insurance.
  • Making sure your accounts are accessible to your heirs
  • Preparing for diminished capacity
  • Creating spending plans for your surviving family


We’re ready to help you with your retirement and estate planning.

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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. 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