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 until 70, and whether you can repay benefits to receive a higher amount later. Finally, he shares smart estate planning strategies for helping children and grandchildren pay for college tax-free. Visit: rpoa.com Like, subscribe, and share with someone planning for retirement. Financial Plannings Dynamic Implications of Sequence Risk : <a href='https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3dpRUxxN095bDlvT2F3MGIyZmpqTmN3ZUlEd3xBQ3Jtc0trWlcwRXdDbk1VbjB6Y2ZhMDAtOFZsRm15Mzh3REhJTmRGbmNBY21IUFRtLXctUXctU09mOW80cjhWcHB3YXFGNzRMWW1ZaDJ4MkNKbHRsdExMUTJpZklmUmJTNVJHZ2c4Y1E3WnkxbF84NnNCMWxhZw&q=https%3A%2F%2Fwww.financialplanningassociation.org%2Fsites%2Fdefault%2Ffiles%2F2021-10%2FJUN10%2520JFP%2520Frank%2520and%2520Blanchett%2520PDF.pdf&v=Ehs7edtv99g'>https://www.financialplanningassociat...</a> RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results. 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. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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 described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences.

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 until 70, and whether you can repay benefits to receive a higher amount later. Finally, he shares smart estate planning strategies for helping children and grandchildren pay for college tax-free. Visit: rpoa.com Like, subscribe, and share with someone planning for retirement. Financial Plannings Dynamic Implications of Sequence Risk : https://www.financialplanningassociat... RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results. 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. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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 described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences.

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 until 70, and whether you can repay benefits to receive a higher amount later. Finally, he shares smart estate planning strategies for helping children and grandchildren pay for college tax-free. Visit: rpoa.com Like, subscribe, and share with someone planning for retirement. Financial Plannings Dynamic Implications of Sequence Risk : <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqa3dpRUxxN095bDlvT2F3MGIyZmpqTmN3ZUlEd3xBQ3Jtc0trWlcwRXdDbk1VbjB6Y2ZhMDAtOFZsRm15Mzh3REhJTmRGbmNBY21IUFRtLXctUXctU09mOW80cjhWcHB3YXFGNzRMWW1ZaDJ4MkNKbHRsdExMUTJpZklmUmJTNVJHZ2c4Y1E3WnkxbF84NnNCMWxhZw&amp;q=https%3A%2F%2Fwww.financialplanningassociation.org%2Fsites%2Fdefault%2Ffiles%2F2021-10%2FJUN10%2520JFP%2520Frank%2520and%2520Blanchett%2520PDF.pdf&amp;v=Ehs7edtv99g" rel="noopener noreferrer">https://www.financialplanningassociat...</a> RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results. 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. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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 described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences.

Lets Talk About Money

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 step is often more affordable and manageable than most families expect. If you are over 50 and thinking through your family plan, this is a conversation worth hearing.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 step is often more affordable and manageable than most families expect. If you are over 50 and thinking through your family plan, this is a conversation worth hearing. RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 step is often more affordable and manageable than most families expect. If you are over 50 and thinking through your family plan, this is a conversation worth hearing.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

How To Leave Money To A Disabled Child

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 important Social Security question about maximizing survivor benefits and explains how families can structure life insurance to help pass wealth to heirs’ estate tax-free. This episode combines practical retirement advice, real client experience, and a reminder that retirement planning is about more than money. It’s about confidence, relationships, and peace of mind. Visit: rpoa.com Like, subscribe, and share with someone planning for retirement. RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results. 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. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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 described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences.  Jeff is a current client of MMWKM Advisors, LLC. Jeff received no cash or non-cash compensation in connection with his appearance on this episode. Jeff's experience may not be representative of the experience of other clients and is not a guarantee of future performance or results. Jeff has no material conflicts of interest in connection with his appearance.

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 important Social Security question about maximizing survivor benefits and explains how families can structure life insurance to help pass wealth to heirs’ estate tax-free. This episode combines practical retirement advice, real client experience, and a reminder that retirement planning is about more than money. It’s about confidence, relationships, and peace of mind. Visit: rpoa.com Like, subscribe, and share with someone planning for retirement. RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results. 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. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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 described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. Jeff is a current client of MMWKM Advisors, LLC. Jeff received no cash or non-cash compensation in connection with his appearance on this episode. Jeff's experience may not be representative of the experience of other clients and is not a guarantee of future performance or results. Jeff has no material conflicts of interest in connection with his appearance.

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 important Social Security question about maximizing survivor benefits and explains how families can structure life insurance to help pass wealth to heirs’ estate tax-free. This episode combines practical retirement advice, real client experience, and a reminder that retirement planning is about more than money. It’s about confidence, relationships, and peace of mind. Visit: rpoa.com Like, subscribe, and share with someone planning for retirement. RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results. 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. Retirement Planners of America has been employing the Strategy since its inception in 2011. 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 described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences.&nbsp; Jeff is a current client of MMWKM Advisors, LLC. Jeff received no cash or non-cash compensation in connection with his appearance on this episode. Jeff's experience may not be representative of the experience of other clients and is not a guarantee of future performance or results. Jeff has no material conflicts of interest in connection with his appearance.

Retirement Planning is About More Than Money: A Client’s Story.

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 and how to intentionally pass it forward, even in simple, practical ways. Visit rpoa.com to explore more retirement planning resources and upcoming events. Like, subscribe, and share this with someone who’s thinking about their legacy. 0:00 Intro and why this topic matters 0:52 The big misconception about “inheritance” 1:35 The #1 legacy: values, morals, and wisdom 3:05 Why money alone does not build a lasting legacy 4:18 Work ethic and character as the real “wealth” 6:12 Simple ways to pass down life lessons 8:02 Stories, family history, and documenting wisdom 10:08 Recording messages and preserving memories 12:28 Where to store and pass down digital memories 13:40 Wrap up and next steps RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 and how to intentionally pass it forward, even in simple, practical ways. Visit rpoa.com to explore more retirement planning resources and upcoming events. Like, subscribe, and share this with someone who’s thinking about their legacy. 0:00 Intro and why this topic matters 0:52 The big misconception about “inheritance” 1:35 The #1 legacy: values, morals, and wisdom 3:05 Why money alone does not build a lasting legacy 4:18 Work ethic and character as the real “wealth” 6:12 Simple ways to pass down life lessons 8:02 Stories, family history, and documenting wisdom 10:08 Recording messages and preserving memories 12:28 Where to store and pass down digital memories 13:40 Wrap up and next steps RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 and how to intentionally pass it forward, even in simple, practical ways. Visit rpoa.com to explore more retirement planning resources and upcoming events. Like, subscribe, and share this with someone who’s thinking about their legacy. 0:00 Intro and why this topic matters 0:52 The big misconception about “inheritance” 1:35 The #1 legacy: values, morals, and wisdom 3:05 Why money alone does not build a lasting legacy 4:18 Work ethic and character as the real “wealth” 6:12 Simple ways to pass down life lessons 8:02 Stories, family history, and documenting wisdom 10:08 Recording messages and preserving memories 12:28 Where to store and pass down digital memories 13:40 Wrap up and next steps RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

The Executor Vs The Trustee - What You Should Know

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 more education and resources at rpoa.com. 00:00 The “most important inheritance” surprise 00:45 If it’s not money, what is it? 01:20 Values, morals, and life lessons as true legacy 02:20 Why “values” beat money long term 03:20 The simple phone method to preserve your story 04:25 “Sweep the corners” and the power of sayings 05:35 Why this matters across generations 06:20 Letters, recipes, and how families used to pass wisdom down 07:15 Imagine hearing from your great grandparents 08:10 Hardships, resilience, and why stories help most 09:15 What to do with the recording next 09:45 Wrap up and next topic tease: digital assets RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 more education and resources at rpoa.com. 00:00 The “most important inheritance” surprise 00:45 If it’s not money, what is it? 01:20 Values, morals, and life lessons as true legacy 02:20 Why “values” beat money long term 03:20 The simple phone method to preserve your story 04:25 “Sweep the corners” and the power of sayings 05:35 Why this matters across generations 06:20 Letters, recipes, and how families used to pass wisdom down 07:15 Imagine hearing from your great grandparents 08:10 Hardships, resilience, and why stories help most 09:15 What to do with the recording next 09:45 Wrap up and next topic tease: digital assets RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 more education and resources at rpoa.com. 00:00 The “most important inheritance” surprise 00:45 If it’s not money, what is it? 01:20 Values, morals, and life lessons as true legacy 02:20 Why “values” beat money long term 03:20 The simple phone method to preserve your story 04:25 “Sweep the corners” and the power of sayings 05:35 Why this matters across generations 06:20 Letters, recipes, and how families used to pass wisdom down 07:15 Imagine hearing from your great grandparents 08:10 Hardships, resilience, and why stories help most 09:15 What to do with the recording next 09:45 Wrap up and next topic tease: digital assets RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training. This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy. Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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