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/

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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.