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CEO and Senior Adviser,
Retirement Planners of America
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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How we knew to sell, why we think it was smart, and what you can do now.
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Do you know what your Social Security break-even age is? Here's how to figure it out, and how it could help you decide when to take Social Security, especially during times when retirees' stock portfolios have taken a beating.
One eye-opening, simple math equation can clearly show retirement savers the answer to that question, and if you are among those investors who take pride in their high-performing portfolios, you may be surprised.
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.
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.
Cash flow planning is a crucial part of your retirement plan, and much of it can be boiled down to one math equation.
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.
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.
Retirement should be like a second childhood â€¦ without parental supervision. I believe thatâ€™s doable for most people, but it takes planning.
Luckily, you can begin right now by taking the following ...
See More From: Financial Planning
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.
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.
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.
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.
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.
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.
Popular thinking is that youâ€™ll spend less once you retire, but thatâ€™s not what Iâ€™ve seen in my own clients, at least in the first few years.
How time flies. As the year quickly winds down, it's time to check a few items off your to-do list.