Bio Ken Moraif, CFP

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Ken Moraif, CFP®

CEO and Senior Adviser, Retirement Planners of America

Phone: 800.994.0302
E-mail: PR@rpoa.com
retirementplannersofamerica.com/
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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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Latest Features

Building Wealth
September 2019

How to Calculate the Break-Even Age for Taking Social Security

Do you know what your break-even age is? It’s the age at which you come out ahead by postponing taking your Social Security benefits. Here's how to figure it out, and what it means for your retirement.

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Building Wealth
June 2019

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.

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Building Wealth
May 2019

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-spouses work.

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Building Wealth
February 2019

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.

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Building Wealth
December 2018

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 you may fall short and when you may come out ahead.

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Building Wealth
October 2018

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.

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SLIDE SHOW
October 2018

A Retirement Checklist: 8 Steps to Take Now

Retirement should be like a second childhood … without parental supervision. I believe that’s doable for most people, but it takes planning. Luckily, you can begin right now by taking the following ...

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Building Wealth
October 2018

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.

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Building Wealth
August 2018

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 exclusion limits, you could be facing a hefty estate tax bill. There is something you can do, though.

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Building Wealth
July 2018

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 sense to pass certain types of accounts to family and others to charity.

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Building Wealth
May 2018

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 nest egg in jeopardy.

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Building Wealth
April 2018

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 problems for portfolios, and even the market itself, down the line.

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Building Wealth
March 2018

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.

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Building Wealth
February 2018

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.

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Building Wealth
December 2017

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.

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Building Wealth
December 2017

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.

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Building Wealth
October 2017

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 lives up to the dream.

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