Ken Moraif, CFP®
CEO and Senior Adviser, Retirement Planners of America
Ken Moraif, CFP, is the CEO and a Senior Adviser at Retirement Planners of America (RPOA), a Dallas-based wealth management and investment firm with over $4.3 billion in assets under management and serving over 8,800 households in 48 states (as of May 2019). RPOA has 14 offices in Texas, Arizona, California and Oklahoma. The firm's financial advisers work with pre-retirees and retirees, offering financial planning, investment management, family estate planning and income tax planning services. Since 1996, Ken has outlined retirement trends in his weekly radio show, "Money Matters with Ken Moraif," and he highlights investment strategies in his book, "Buy, Hold, and SELL!"
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Phone: 800.994.0302
E-mail: PR@rpoa.com
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How Does Working Longer Affect Your Social Security Benefits?
social security
How Does Working Longer Affect Your Social Security Benefits?
You probably know you’ll get bigger payments if you stick with your job and wait to claim. But there’s more to it.
May 30, 2022
How to Calculate the Break-Even Age for Taking Social Security
social security
How to Calculate the Break-Even Age for Taking Social Security
When it comes to maximizing your Social Security benefits, there are many elements to consider. One factor that can be especially enlightening is your…
August 30, 2021
Myth: Life Insurance is NOT Taxable
insurance
Myth: Life Insurance is NOT Taxable
The reality is that life insurance is treated as an asset in your estate. And if the payout pushes your estate past federal or state estate tax exclus…
July 12, 2021
Yes, You Can Collect Social Security from an Ex-Spouse: Here’s How
social security
Yes, You Can Collect Social Security from an Ex-Spouse: Here’s How
It’s always smart to maximize your Social Security benefits, and if you are divorced, one way to do that might be to take them based on your ex’s earn…
May 13, 2021
Over 50 and Furloughed/Unemployed? Five Actions to Consider Now
unemployment
Over 50 and Furloughed/Unemployed? Five Actions to Consider Now
Don’t despair, but do plan for the worst.
July 9, 2020
We Exited the Stock Market the Day Before the Pandemic Was Declared
investing
We Exited the Stock Market the Day Before the Pandemic Was Declared
How we knew to sell, why we think it was smart, and what you can do now.
May 27, 2020
Stock Market Losses or Lower Returns: Which Is More Dangerous to Your Retirement?
retirement
Stock Market Losses or Lower Returns: Which Is More Dangerous to Your Retirement?
One eye-opening, simple math equation can clearly show retirement savers the answer to that question, and if you are among those investors who take pr…
October 29, 2019
Focus on Protecting Your Nest Egg Once You're Retired
Making Your Money Last
Focus on Protecting Your Nest Egg Once You're Retired
How much do you really need to earn on your investments once you retire? Figure it out, and then don't take one more iota of risk than necessary.
June 26, 2019
Social Security Spousal Benefits FAQs
social security
Social Security Spousal Benefits FAQs
Answers to some of the most commonly asked questions financial advisers get on spousal benefits, including when to take them and how benefits for ex-s…
May 6, 2019
An Easy Way to See If You Have Enough Saved to Retire
retirement
An Easy Way to See If You Have Enough Saved to Retire
Cash flow planning is a crucial part of your retirement plan, and much of it can be boiled down to one math equation.
February 19, 2019
Retirement Planning Is Cash Flow Planning
Making Your Money Last
Retirement Planning Is Cash Flow Planning
Cash flow planning may sound complicated, but what it boils down to is comparing your assets to your expenses over time and identifying periods when y…
December 28, 2018
A Retirement Checklist: 8 Steps to Take Now
Financial Planning
A Retirement Checklist: 8 Steps to Take Now
Retirement should be like a second childhood … without parental supervision.
October 30, 2018
Medicare Open Enrollment: A 5-Point Checklist
retirement
Medicare Open Enrollment: A 5-Point Checklist
The annual window for making changes to your Medicare health coverage has now opened. It's time to see if your plan is still right for you.
October 19, 2018
A Pre-Retirement Checklist: 8 Steps to Take Right Now
Making Your Money Last
A Pre-Retirement Checklist: 8 Steps to Take Right Now
Planning for retirement obviously is a big job, so it helps to break it down into a series of goals that you can check off as you go.
October 9, 2018
The Tax-Smart Way to Leave Money to Your Heirs and to Charity
retirement
The Tax-Smart Way to Leave Money to Your Heirs and to Charity
From 401(k)s and IRAs to stocks and bonds, your retirement savings accounts are taxed in different ways. So to make the most of your money, it makes …
July 10, 2018
Living on Your Investments? What Happens When a Bear Market Hits?
investing
Living on Your Investments? What Happens When a Bear Market Hits?
Investors are often told to "stay the course" even as stock markets go through tough times. However, if you're retired, that advice could put your nes…
May 23, 2018
Is Passive Investing 'Worse Than Marxism'?
Index Funds
Is Passive Investing 'Worse Than Marxism'?
A set-it-and-forget-it investing approach is certainly a pretty easy route for retirement savers to take, but it might be contributing to some big pro…
April 13, 2018
The Ins and Outs of Buying Long-Term Care Insurance
Long-Term Care Insurance
The Ins and Outs of Buying Long-Term Care Insurance
Think about this coverage not just as insurance for long-term care, but for your retirement nest egg itself. With that in mind, here are some tips.
March 9, 2018
The 3 Spending Stages of Your Retirement
Making Your Money Last
The 3 Spending Stages of Your Retirement
Popular thinking is that you’ll spend less once you retire, but that’s not what I’ve seen in my own clients, at least in the first few years.
February 8, 2018
End the Year Right: 6 Financial Tips for Retirees
retirement
End the Year Right: 6 Financial Tips for Retirees
How time flies. As the year quickly winds down, it's time to check a few items off your to-do list.
December 19, 2017
Saving for Retirement as a Single Parent
savings
Saving for Retirement as a Single Parent
To do the right thing for your kids, you need to do the right thing for yourself as well. While it's not easy, you can save. Here's how to start.
December 7, 2017
4 Reasons to Hold a Retirement Dress Rehearsal
Investor Psychology
4 Reasons to Hold a Retirement Dress Rehearsal
Before you sell your house and buy that golf course condo or move down the street from your grandkids, take some time to try it out to see if reality …
October 30, 2017
Leaving Your Digital Legacy
retirement
Leaving Your Digital Legacy
Between Facebook, iTunes, email and digital banking and investment accounts, most of us lead pretty active lives online. Do you have a plan for what w…
August 15, 2017
The 10 Most Important Years of Your Financial Life (& How to Prepare For Them)
retirement
The 10 Most Important Years of Your Financial Life (& How to Prepare For Them)
The five years before and the five years after retirement can be a real minefield. A big loss during this time could spoil all your hopes and dreams, …
July 10, 2017
Want to Retire Abroad? 3 Commonly Overlooked Factors
Making Your Money Last
Want to Retire Abroad? 3 Commonly Overlooked Factors
Whether you never want to see another a snow shovel again or you're just looking for a cost-of-living bargain, if you've dreamed of leaving the countr…
June 8, 2017