Firm can legally elect to accept commissions for their investment advisory services. Retirement Planners of America is a mid-sized financial advisory firm that specializes in retirement planning. Tools. What does this mean? When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. You are now leaving the RPOA website. 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. 3) Strategies To Maximize Social Security #33 Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. Planning to live well into your 90s can help you avoid outliving your income. Questions to ask 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. Like all investment strategies, the Strategy is not guaranteed. 2023 Reink Media Group LLC. 1885 St. James Pl. 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. 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. RPOA has offices in California, Oklahoma, Arizona, and Texas. No. These commissions may be earned from the sale of investment or insurance products and are paid by the companies providing the products being sold. What does this mean and why is it important? Visit Site, Is this your firm? Business Profile for Retirement Planners of America. However, deposits included within a 401 (k) are insured if the savings plan is administered by an FDIC-insured financial institution. Moraif, CEO and senior retirement planner of Retirement Planners of America, has been named to Barron's Top 100 Independent Wealth Advisors list for the past eight years and in 2019 was named a Financial Times Top 300 Advisor. 5) Estate Tip: The Irrevocable Life Insurance Trust. 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. You are now leaving the RPOA website. 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. Like all investment strategies, the Strategy is not guaranteed. We strive to understand the issues that can impact your retirement so we can help guide you on your path to financial peace of mind. reCAPTCHA helps prevent automated form spam. Why Retirement Planners of America. Is your firm affiliated with a law firm in any capacity? Our advisors offer services for clients across the country. There are a few scenarios where the employer contribution may not be considered non-elective and, therefore, would not qualify for the benefits. That low bill is due to the cap on Social Security taxation. What does this mean? 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. The Invest and Protect Strategy (the Strategy) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Our goal is to make your money last as long as you do. When it comes to your retirement plan, we do the heavy lifting, so you don't have to. Our retirement goal for you: financial peace of mind. Originally founded as Money Matters with Ken Moraif, the company changed its name to Retirement Planners of America in 2019 to better reflect our commitment to our clients retirement planning needs. The goal of retirement planning is to achieve financial independence . 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. 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. You deserve the best retirement possible. Retirement Planners & Administrators deliver expert services for 401(k) plans including custom plan design, plan compliance, retirement plan consulting services, payroll solutions and recordkeeping. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. But when you withdraw the money, that amount may be taxable. Retirement Planners of America is not an accounting firm or a law firm. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. With respect to such information, investor.com cannot and does not independently verify, audit, validate, assess or guarantee the adequacy, accuracy, or completeness of such information; such information is not included or otherwise incorporated within investor.com's Trust Score algorithm or review process. When operating in this dual capacity, advisors may be incentivized to implement plans as an attorney that could drive higher revenue for themselves as investment advisors. Please click the link below to login and to access your investment account information. Pay off your debt. Does your firm, or anyone associated with the firm, practice as a law firm? Diversification can help, especially if you have a large percentage of your money in any one stock (including your employers). 2. It's time to prepare for a fall in the market. Being prepared with a financial picture of retirement will help Pete determine retirement timing and how much he may want to leave to . 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. A regulatory agency has previously denied, suspended, or revoked the firms or an advisory affiliates registration or license or otherwise restricted their activities. As a Relationship Banker it was my role to develop and maintain new retail and small business . Accepting this consent is not required to obtain any good or service. Just as retirement is more than just money, retirement planning is more than just investing wisely. Financial planning services can include tax planning, estate planning, retirement planning, or life-based event planning such as saving for college, getting married, purchasing a home, paying down debt, or planning an inheritance. 5 Ways To Get The Estate In Order Now, 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. Advertiser Disclosure: StockBrokers.com helps investors across the globe by spending over 1,000 hours each year testing and researching online brokers. (817) 717-8200. In 1996, Ken Moraif went on the air as the host of a new financial show for people who are retired or retiring soon. "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. Dont know where to begin? 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. Retirement Planners OF America, registered in 2011, serves 41 state(s) with a licensed staff of 31 advisors. What does this mean and why is it important? In MarketBeat, John Sullivan writes about American Retirement Association (ARA) member Apryl Pope, co-founder of Cincinnati-based Retirement Plan Partners, who delivers stark statistics about the state of retirement saving for traditionally marginalized communities and offers solutions. 1983 - 1988: Management Advisor, Research Institute of America. Retirement Planners of America has been employing the Strategy since its inception in 2011. . 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. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. *SEC data last verified January 06, 2023. 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. The discussions contained on this page are not a substitute for investment advice from a professional adviser. For a special pay plan to qualify, you must choose a tax qualified retirement plan, like a 403(b) plan. Your investments are typically a critical part of retirement income. A self-regulatory organization or commodities exchange has found firm or an advisory affiliate to have been involved in a violation of its rules. Questions to ask What does this mean? Agency and Vender Management. All such information is provided solely for convenience, educational, and informational purposes only. 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 is a retirement planning firm that can assist you in creating a plan for reaching your retirement goals and protecting your investment. 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. All such information is provided solely for convenience, educational, and informational purposes only. Past performance does not guarantee future results. 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. At Retirement Planners of America, we not only specialize in retirement planning, but on individualized planning. On this page are not a substitute for investment advice from a professional adviser spending over 1,000 hours each testing... Role to develop and maintain new retail and small business retirement timing and how much may. Few scenarios where the employer contribution may not be construed as individualized advice or.... 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