These commissions may be earned from the sale of investment or insurance products and are paid by the companies providing the products being sold. from WalletHub and across the web. For example, if you are relying on $4,000 of income per year, and your $100,000 sufferes a 30% market decline to $70,000, you are no longer taking out 4%. Dont let an unstable market derail your retirement goals. These conflicts can negatively impact clients via hidden fees and overall higher costs. All rights reserved. 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. One of the best Financial Services, Finance business at 2820 Dallas Pkwy, Plano TX, 75093 United States. 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. Soon an important milestone will be reached, it added, as more . How do we make money? In the past ten years, firm or an advisory affiliate has been convicted of or pled guilty or nolo contendere ("no contest") in a domestic, foreign, or military court to a felony. 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. RETIREMENT PLAN SERVICE COMPANY OF AMERICA is a Pennsylvania Foreign Business Trust filed on November 25, 1992. 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. Move out of the city? Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. Please click on the link below to launch GoToMeeting. Planning for retirement is one of the most important steps in your life. What does this mean and why is it important? 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. Firm or an advisory affiliate was previously found to have made false statements or omissions by the SEC or CFTC. We believe that if youre retired or retiring soon, your investment strategy must shift, and we have an Invest and Protect strategy to help you protect your savings. This calculator will show you the average number of additional years a person can expect to live, based only on the sex and date of birth you enter. 2) 11 Investing Mistakes To Avoid 2) An Alternative To Banks What does this mean? But the market can be unstable. FREE BENEFITS ANALYSIS REPORT! All such information is provided solely for convenience, educational, and informational purposes only. Is your firm affiliated with a law firm in any capacity? What does this mean? What does this mean? All such information is provided solely for convenience, educational, and informational purposes only. 1) Is This 2008 All Over Again? We want you to achieve your retirement goals so you can sleep well at night. If youre over 50, we think nows the time to begin thinking about how you want to live in retirement, and to put a holistic plan in place to guide you to that retirement lifestyle. What does this mean and why is it important? 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. 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. Survivors Planner. What does this mean and why is it important? We believe if youre over 50, you should only take as much risk as is necessary to achieve your financial retirement goals. While the average U.S. retirement age is 63, when you decide to retire is dependent on tons of factors: Savings. What does this mean? Moraif argues that you cannot afford to sustain large losses in the early years of retirement because you may run out of money. Retirement Planners of America does not control a third-partys collection or use of personal information or tracking technologies. A regulatory agency other than the SEC or CFTC 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. How does your firm mitigate conflicts that arise from managing accounts with differing fee structures? Retirement Planners of America was founded in 2011 as Money Matters With Ken Moraif but changed its name in 2019. A federal regulatory agency, a state regulatory agency, or a foreign financial regulatory authority other than the SEC or CFTC has found firm or an advisory affiliate to have been involved in a violation of investment-related statutes or regulations. Retirement. 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. Will any of my assets be invested in those products? 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 . 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. Firm recommends securities or other investment products to advisory clients in which the firm or a related person has some other proprietary (ownership) interest that isnt related to trading or holding the security or securities themselves personally. Most of our clients are retired or nearing retirement. What does this mean? Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. 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 . Suite 700, Houston, Texas 77056, 1780 Hughes Landing Blvd Suite 360, The Woodlands, Texas 77381, 18500 Von Karman Ave Suite 520, Irvine, California 92612, 1224 S. River Road, B-201, Office 231, St. George, Utah 84790, 1300 Summit Avenue Suite 600, Fort Worth, Texas 76102, 3030 Northwest Expressway Suite 200, Oklahoma City, Oklahoma 73112, 790 East Colorado Boulevard Suite 560, Pasadena, California 91101, 10900-b Stonelake Boulevard Suite 205, Austin, Texas 78759, 841 Apollo Street Suite 330, El Segundo, California 90245. The SEC or CFTC 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. Questions to ask What Should You Do? Financial advisors help you achieve your life goals, such as saving for retirement, by creating a comprehensive financial plan and managing your investment portfolio (e.g., stocks, ETFs, mutual funds, bonds). The firm, which was founded in 2011 as Money Matters with Ken Moraif, serves over 7,500 . Our advisors offer services for clients across the country. 2) How To Calculate Your Magic Number View recent press featuring Ken Moraif: If youre retired or retiring soon, we think its time to meet with a retirement planner who understands your unique needs. Retirement should be one of the best times of your life, and it can beif youre not worried about money. 4) Bad Investors Think Of Ways To Make Money. What conflicts do I need to be made aware of? Questions to ask Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. Just as retirement is more than just money, retirement planning is more than just investing wisely. Participant Account Representative. 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 will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. But have you thought about how youll transition to a retirement lifestyle? 3. 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. When the sell / protect portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. They have kept my money safe so they get points for that, it has not grown. Your priority now should be to protect your money and minimize losses. It is possible to be forced into retirement, or you could run out of cash early. 1300 Summit Ave Ste 600. We make meeting with you easy. It's time to prepare for a fall in the market. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. 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 manages $4.7 billion and provides investment advisory services for 8,092 clients (1:261 advisor/client ratio). 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. Dont know where to begin? Does your fim accept soft-dollar benefits? Firm or an advisory affiliate was previously found to have made false statements or omissions by a self-regulatory organization. Firm can legally elect to accept commissions for their investment advisory services. The firm's website is not secure by modern internet standards. When? Like all investment strategies, the Strategy is not guaranteed. When firms are dual-registered as broker-dealers, they may be subject to compensation-related conflicts of interest, including revenue sharing from mutual funds and the sale of proprietary investment products. What does this mean? Under current law, employers with less than 100 employees that adopt a new retirement plan can qualify for an annual tax credit for up to three years equal to the lesser of (1) 50% of the administrative cost of establishing the plan, or (2) $5,000. 84 customer reviews of Money Matters With Ken Moraif. *SEC data last verified January 06, 2023. 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, tax, and financial circumstances and overall objectives. Should I Hire a Financial Advisor or DIY It? 4. We believe that if you're retired or retiring soon, your investment strategy must shift, and we have an Invest and Protect strategy to help you protect your savings. Delta Wealth Management, Prosper Wealth Solutions, New York Life Investments Alternatives, Compass Financial Advisors, Mirador Capital Partners, Was this helpful? Date of Birth. Plano, Texas, United States. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Mortgage. The firm offers a strategy known as Invest and Protect to help you protect your . This could be detrimental to a client during down markets. 1) It Looks Like Inflation Is Here To Stay For A While We can help you determine whats available to you through your work, Social Security, and Medicare. With Retirement Planners of America, youll work with a financial advisor who specializes in retirement planning and is dedicated to giving you financial peace of mind and helping you achieve your retirement goals. All such information is provided solely for convenience, educational, and informational purposes only. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. Retirement Planners of America Background. SEI Private Trust Company is used as one of our primary custodians. Advertiser Disclosure: StockBrokers.com helps investors across the globe by spending over 1,000 hours each year testing and researching online brokers. 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