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Steve Luby

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Background & Family Life

Family is the cornerstone of Steve’s life, and he cherishes every moment spent with his beloved wife, Abbey, and their two wonderful children, Anna and Joseph. A proud resident of Richardson, TX, Steve finds his greatest joy in sharing life’s little pleasures with his family. A passionate golfer and a devoted husband and father, Steve thrives on the laughter and love that fill his home.

“In Steve Luby, one finds a leader who understands the profound impact of compassionate financial planning during life's most trying moments. His genuine dedication to the well-being of clients through his leadership as Chief Revenue Officer makes him an influential figure in the world of retirement planning at RPOA. Steve's leadership transcends the numbers and spreadsheets, making him an invaluable asset in the mission to securing fulfilling retirements for all.”

– Ken Moraif

Business Philosophy

To Steve, retirement isn’t just a destination; it’s a transition that deserves the utmost consideration and planning. Beyond his professional acumen, Steve’s personal journey and values have shaped him into a dedicated advocate for planning fulfilling retirements.

Steve’s journey into the world of retirement planning was influenced profoundly by a deeply personal experience that etched a lasting impression on his heart. As he approached his senior year of college, Steve lost his father to cancer, just days before his 21st birthday. His mother’s strength in the face of adversity, shouldering the responsibilities of caring for her family while grappling with grief, left an indelible mark on Steve’s consciousness.

In the wake of his father’s passing, their family financial advisor laid out a comprehensive plan that included life insurance, investments, and 401(k)s. For the first time in years, Steve saw his mother exhale the weight of taking care of his father, realizing she was also taken care of. This act of compassion, a final love letter from his father, inspired Steve’s life’s mission. His mother finding reassurance and stability amidst the chaos ignited a profound realization within Steve – the true impact of compassionate financial planning during life’s most trying moments.

As his career unfolded, Steve’s path crystallized before him. He realized that his calling was not only to be a retirement planner but to be a leader to help guide and inspire others in the field. He committed himself to mastering the intricacies of understanding all aspects of financial planning and investment management as well as client relationship development retirement planning, not just as a profession, but as a way to bring peace of mind to families, so that they could stride into their post-work years with confidence.

Education

Bachelor of Science, Cornell University.

Prior Business Experience

Corporate Vice President, West Central Region, New York Life

Managing Partner, Iowa General Office, New York Life

Financial Advisor, New York Life

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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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