Helping you make your money last as long as you do. Under the umbrella of Retirement Planners of America.
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In this special episode of Money Matters, Ken Moraif welcomes longtime RPOA client to share his real-life retirement journey and the lessons he learned after living through the 2008 financial crisis. From sleepless nights during market downturns to finding peace of mind with a retirement strategy, Jeff offers honest insights every pre-retiree and retiree can learn from. Ken also answers an…
In this episode of Money Matters, Ken Moraif breaks down one of the most important retirement questions: where should your retirement income come from first? He also explains the hidden danger of sequential risk and why market losses early in retirement can have a major impact on your financial future. Plus, Ken answers key Social Security questions about Medicare enrollment, delaying benefits…
If your child or loved one has special needs, how you leave them money matters. In this episode, Ken and Jeremy break down special needs trusts in plain English and why a direct inheritance can accidentally create problems with certain government benefits. They also cover practical, real world considerations like who should serve as trustee, when a corporate trustee can help, and why this planning…
Most people think “inheritance” means money, property, or accounts. In this episode, Ken Moraif and Jeremy Thornton share why the most valuable legacy you can leave your children and grandchildren is something far more lasting: your values, your morals, your life lessons, and your wisdom. If you’re over 50 and retired or retiring soon, this conversation will help you think differently about legacy…
What’s the most important inheritance you can leave your kids and grandkids? Ken Moraif says it probably isn’t money, a house, or “stuff.” In this episode, Ken and Jeremy talk about the values, lessons, and life stories that actually shape future generations, plus a simple way to preserve them using the phone you already carry every day. If you’re over 50 and retired or retiring soon, check out…
Can you leave a child out of your will, and if so, how do you do it without creating a family war later? In this segment, Ken and Jeremy break down the practical reality behind disinheriting a child, why communication matters, and what can trigger contestation after you are gone. They also explain why some families use trusts instead of relying only on a will, and why state rules can change the…
Getting ready for retirement is a lot easier when you use a checklist. In this episode, Ken Moraif walks through a practical retirement planning checklist that helps you organize the big decisions before you stop working, so the transition feels smoother and your plan is built around real life costs. You’ll hear why where you live can be the biggest driver of your cost of living, how to think…
If you own an IRA, a few simple mistakes can quietly create bigger problems later, including unnecessary taxes, penalties, and outdated beneficiary choices. In this episode, Ken Moraif and Jeremy Thornton walk through seven common IRA mistakes they see over and over and explain how to avoid them with better habits and better planning. They cover the mistakes retirees and pre-retirees make most…
If you are considering retiring early or you need income before age 59½, the IRS 72(t) rule (also called SEPP, Substantially Equal Periodic Payments) may allow you to take distributions from a traditional IRA without the 10% early withdrawal penalty. In this episode, Ken and Jeremy break down what an IRA is, who 72(t) can help, the three calculation methods, and the most common pitfalls that can…
Are you accidentally sabotaging your investments? In this episode, Ken Moraif breaks down the 7 Deadly Sins of Investing and explains how common behaviors like emotion, greed, impatience, disorganization, and fear can hurt your long term financial outcomes. If you are retired, retiring soon, or planning for retirement, this is a must watch conversation about how to make smarter investment…