Money Matters with Ken Moraif

What if you could receive your Social Security tax free? Sounds too good to be true — but for millions of retirees, new rules could make it possible until 2029.

In this episode, Ken Moraif (Founder & CEO of Retirement Planners of America) and CIO Jordan Roach break down:
✅ How Social Security is taxed using provisional income
✅ The new $6,000 deduction per person — and what it means for retirees
✅ How retirees can structure withdrawals to avoid unnecessary taxes
✅ Common mistakes that cost retirees thousands (and how to avoid them)
✅ Why planning IRA vs. non-IRA withdrawals matters more than ever

The bottom line: with the right strategies, up to 88% of retirees may owe nothing on Social Security taxes. But time is limited, and every retiree’s situation is unique.

👉 Subscribe for more retirement insights:  @RetirementPlannersofAmerica  

OBBB Tax on SS: https://www.whitehouse.gov/articles/2025/07/no-tax-on-social-security-is-a-reality-in-the-one-big-beautiful-bill/

RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. 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. 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. 
These videos are presented for informational and educational purposes only and should not be construed as personalized investment, financial, or tax advice. Opinions expressed herein are solely those of Retirement Planners of America as of the date of publication and are subject to change without notice.
Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Please make sure you fully understand the risks involved before trading cryptocurrencies.
Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.
Investing involves risks, including possible loss of principal. Past performance discussed in these videos is no guarantee of future results. Indicators such as the yield curve, building permits, investor sentiment, and credit conditions discussed herein are used for illustrative purposes only and are not reliable predictors of market performance or economic conditions.

President Trump just signed an executive order that could allow cryptocurrency, real estate, and private equity inside your 401(k).

But what does this mean for retirees and those nearing retirement? Is it a golden opportunity—or a risky move?

In this episode of the Retirement Planners of America Podcast, Ken Moraif and Chief Investment Officer Jordan Roach break it all down:
• The potential benefits of adding crypto, real estate, and private equity to your 401(k)
• The major risks you need to understand before jumping in
• How diversification really works (and common mistakes retirees make)
• Why risk tolerance matters more than ever with new asset classes

Whether you’re excited about the possibilities—or cautious about the risks—this discussion will help you make sense of what this change could mean for your retirement plan.
👉 Subscribe for more insights on retirement planning, investing, and protecting your financial future.


RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. 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. 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. 
These videos are presented for informational and educational purposes only and should not be construed as personalized investment, financial, or tax advice. Opinions expressed herein are solely those of Retirement Planners of America as of the date of publication and are subject to change without notice.
Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Please make sure you fully understand the risks involved before trading cryptocurrencies.
Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.
Investing involves risks, including possible loss of principal. Past performance discussed in these videos is no guarantee of future results. Indicators such as the yield curve, building permits, investor sentiment, and credit conditions discussed herein are used for illustrative purposes only and are not reliable predictors of market performance or economic conditions.

Retirement Planners of America's Senior Retirement Planner Ken Moraif reviews the economy and market events for August 15, 2025. Learn more or sign up for RPOA's weekly Market Alerts at https://RetirementPlannersofAmerica.com​. 

Invest and Protect Episode: https://youtu.be/gdBNBICvKww 

Economic indicators and stock market performance cannot be predicted. Opinions expressed regarding the economy and the stock market belong solely to Ken Moraif on behalf of Retirement Planners of America and may not accurately portray actual future performance of the economy or stock market outcomes. Opinions expressed in this video is intended to be for informational purposes only and is not intended to be used as investment advice for individuals who are not clients of Retirement Planners of America. All content provided is the opinion of Ken Moraif, CEO and Founder of RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, "RPOA"). ©Copyright 2025 A full list of RPOA's disclosures can be found here: https://www.rpoa.com/disclosures/

🎯 The Four Stages of Your Financial Life Cycle: Where Do Most People Fail?

Retirement doesn’t happen by accident—it’s a journey that unfolds across four critical stages: Earning, Accumulation, Protection, and Legacy. In this episode of the Retirement Planners of America Podcast, Ken Moraif and Jeremy Thornton break down each phase and reveal where most people go wrong—and how you can avoid costly mistakes.

💡 What You’ll Learn:
✔ The financial goals you should focus on during your earning years
✔ How to maximize your accumulation phase and hit your "magic number"
✔ Why the five years before—and after—retirement are the most vulnerable
✔ What "sequential risk" is and how it can derail your retirement
✔ How to shift from growth to protection as you near retirement
✔ Strategies to preserve family harmony and leave a meaningful legacy

🔐 Why It Matters:
Most people fail not because of bad luck—but because they don’t adapt their financial strategy as they transition into retirement. This podcast gives you a roadmap to navigate each phase with confidence, clarity, and a plan that protects what matters most.

👥 Who Should Watch:
Whether you’re decades from retirement or just a few years away, this episode will help you understand where you are in your financial journey—and what you should be doing next.

📅 Ready to Know Your “Magic Number”?
Schedule a complimentary consultation with one of our experienced Retirement Planners to get your personalized Retirement Cash Flow Plan.

🔗 Meet with an Advisor Today: https://www.rpoa.com/meet-with-an-advisor/ 

👍 Enjoying this content?
Subscribe to our channel and turn on notifications to get more insights on how to retire—and stay retired.

RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. 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. 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. 
These videos are presented for informational and educational purposes only and should not be construed as personalized investment, financial, or tax advice. Opinions expressed herein are solely those of Retirement Planners of America as of the date of publication and are subject to change without notice.
Investing involves risks, including possible loss of principal. Past performance discussed in these videos is no guarantee of future results. Indicators such as the yield curve, building permits, investor sentiment, and credit conditions discussed herein are used for illustrative purposes only and are not reliable predictors of market performance or economic conditions.
Viewers should consult their own financial, tax, or investment professionals before making investment decisions. Any reference to specific market events or historical examples is for context only and does not imply an assurance of future results or performance.
For more detailed information about Retirement Planners of America's services, investment strategies, and risks, please review our Form ADV Part 2A, available upon request or at adviserinfo.sec.gov.

🚩 5 Red Flags to Watch for When Choosing a Financial Planner
Not all financial planners are created equal. In this episode, we break down five warning signs to look out for when evaluating who to trust with your money.

From vague answers to questionable incentives, these red flags can help you ask better questions and make more informed decisions.

This episode is part of an ongoing series aimed at helping you think more critically about the decisions shaping your financial future.

📺 Looking for more conversations like this? Explore the rest of our channel for additional episodes on planning, strategy, and long-term thinking.

RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. 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. 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. 
These videos are presented for informational and educational purposes only and should not be construed as personalized investment, financial, or tax advice. Opinions expressed herein are solely those of Retirement Planners of America as of the date of publication and are subject to change without notice.
Investing involves risks, including possible loss of principal. Past performance discussed in these videos is no guarantee of future results. Indicators such as the yield curve, building permits, investor sentiment, and credit conditions discussed herein are used for illustrative purposes only and are not reliable predictors of market performance or economic conditions.
Viewers should consult their own financial, tax, or investment professionals before making investment decisions. Any reference to specific market events or historical examples is for context only and does not imply an assurance of future results or performance.
For more detailed information about Retirement Planners of America's services, investment strategies, and risks, please review our Form ADV Part 2A, available upon request or at adviserinfo.sec.gov.

🎙️ 5 Critical Things to Know Before You Take Social Security
Deciding when and how to take Social Security isn’t just about picking a date—it can have lasting financial consequences. In this episode, we break down five essential factors to consider before making your choice, including:

✅ Key age milestones that impact your benefits
✅ The role of life expectancy and break-even points
✅ How your income affects benefit taxation
✅ Spousal and survivor benefit strategies
✅ Tax implications that could cost thousands over time

Social Security is complex—there are over 9,200 possible claiming combinations. This episode will help you think through the trade-offs, avoid overlooked pitfalls, and plan smarter.

📺 For more insights on retirement income, taxes, investment strategy, and market trends, explore other videos on our channel. We’re here to help you stay informed and prepared.

👍 Like this video, subscribe to the channel, and hit the bell so you never miss an episode.

🔗 Visit rpoa.com to learn more.

Social Security Official Website : https://www.ssa.gov/ 
RPOA Advisors, Inc., doing business as Retirement Planners of America ("RPOA"), is an SEC-registered investment adviser headquartered in Plano, Texas. Registration does not imply a certain level of skill or training. Past performance does not guarantee future results. 
The information presented constitutes the authors' personal opinion and is provided for hypothetical and illustrative purposes only. It should not be construed as a projection, forecast, or guarantee of future outcomes.
Backtested performance is hypothetical, does not represent actual investment results, and has certain limitations. Hypothetical backtests are created with the benefit of hindsight, may not reflect the impact of material economic and market factors, and do not account for all factors, such as transaction costs, taxes, fees, or liquidity constraints. 
 
Testimonials mentioned in this video may not represent the experiences of all clients. 
 
The Invest and Protect Strategy may not be suitable for everyone and involves risks, including potential loss of principal. Please discuss these risks and suitability directly with your financial advisor before making investment decisions. 
 
See disclosures at https://www.rpoa.com/disclosures/

📰 Social Security Cuts? What You Need to Know Now

The Social Security Trustees have issued a stark update: by 2035, the system may only be able to pay out 81% of promised benefits. In this episode, we unpack what’s happening, what it could mean for your retirement income, and how these changes might affect people at different income levels.

Ken and Jeremy explore:

The latest Social Security projections

What happened in the past—and what might happen now

Possible government responses like raising the retirement age or means testing

Strategic thinking around when to take Social Security benefits

Why proactive planning matters now more than ever

📺 This is one of many timely episodes designed to help you think through important retirement issues. Explore the rest of our channel for more practical insights on planning, investing, and preparing for the future.

👍 Like, subscribe, and turn on notifications so you don’t miss the next episode.

Social Security Board of Trustees Report: https://www.ssa.gov/news/press/releases/2025/#2025-06-18 

RPOA Advisors, Inc., doing business as Retirement Planners of America ("RPOA"), is an SEC-registered investment adviser headquartered in Plano, Texas. Registration does not imply a certain level of skill or training. Past performance does not guarantee future results. 

The information presented constitutes the authors' personal opinion and is provided for hypothetical and illustrative purposes only. It should not be construed as a projection, forecast, or guarantee of future outcomes.

Backtested performance is hypothetical, does not represent actual investment results, and has certain limitations. Hypothetical backtests are created with the benefit of hindsight, may not reflect the impact of material economic and market factors, and do not account for all factors, such as transaction costs, taxes, fees, or liquidity constraints. 

Testimonials mentioned in this video may not represent the experiences of all clients. 

The Invest and Protect Strategy may not be suitable for everyone and involves risks, including potential loss of principal. Please discuss these risks and suitability directly with your financial advisor before making investment decisions. 

See disclosures at https://www.rpoa.com/disclosures/ 

Retirement Planners of America's Senior Retirement Planner Ken Moraif reviews the economy and market events for July 4, 2025. Learn more or sign up for RPOA's weekly Market Alerts at https://RetirementPlannersofAmerica.com​. 

Economic indicators and stock market performance cannot be predicted. Opinions expressed regarding the economy and the stock market belong solely to Ken Moraif on behalf of Retirement Planners of America and may not accurately portray actual future performance of the economy or stock market outcomes. Opinions expressed in this video is intended to be for informational purposes only and is not intended to be used as investment advice for individuals who are not clients of Retirement Planners of America. All content provided is the opinion of Ken Moraif, CEO and Founder of RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, "RPOA"). ©Copyright 2025 A full list of RPOA's disclosures can be found here: https://www.rpoa.com/disclosures/

🎧 Your Magic Number: What It Means and Why It Matters
In this episode, Ken and Jeremy explore the idea of a “magic number”—a personal figure tied to your financial future that can influence the way you think about retirement, risk, and planning.

This conversation is part of a broader series focused on helping you think through key financial decisions with clarity.

📌 Want more thoughtful takes on planning, strategy, and long-term financial thinking? Check out the rest of our videos for more ideas worth considering.

RPOA Advisors, Inc., doing business as Retirement Planners of America ("RPOA"), is an SEC-registered investment adviser headquartered in Plano, Texas. Registration does not imply a certain level of skill or training. Past performance does not guarantee future results. 
 
Backtested performance is hypothetical, does not represent actual investment results, and has certain limitations. Hypothetical backtests are created with the benefit of hindsight, may not reflect the impact of material economic and market factors, and do not account for all factors, such as transaction costs, taxes, fees, or liquidity constraints. 
 
Testimonials mentioned in this video may not represent the experiences of all clients. 
 
The Invest and Protect Strategy may not be suitable for everyone and involves risks, including potential loss of principal. Please discuss these risks and suitability directly with your financial advisor before making investment decisions. 
 
See disclosures at https://www.rpoa.com/disclosures/

🎙️ Five Enemies To Your Financial Well Being 🧠

Thinking seriously about retirement means paying attention to more than just saving and investing. In this episode, we explore five often-overlooked challenges that can impact your financial stability over time.

These aren't just numbers on a spreadsheet—they're real-world factors that can influence long-term financial decisions.

📌 Subscribe for more thoughtful discussions on planning, strategy, and financial awareness.

 Watch the video here: https://youtu.be/wg82rkMHJyE 

RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. 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. 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. 

These videos are presented for informational and educational purposes only and should not be construed as personalized investment, financial, or tax advice. Opinions expressed herein are solely those of Retirement Planners of America as of the date of publication and are subject to change without notice.

Investing involves risks, including possible loss of principal. Past performance discussed in these videos is no guarantee of future results. Indicators such as the yield curve, building permits, investor sentiment, and credit conditions discussed herein are used for illustrative purposes only and are not reliable predictors of market performance or economic conditions.

Viewers should consult their own financial, tax, or investment professionals before making investment decisions. Any reference to specific market events or historical examples is for context only and does not imply an assurance of future results or performance.

For more detailed information about Retirement Planners of America's services, investment strategies, and risks, please review our Form ADV Part 2A, available upon request or at adviserinfo.sec.gov.