The Retirement Planners of America Podcast

Money Matters with Ken Moraif
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Helping you make your money last as long as you do.

  1. 1D AGO

    Estate Planning Tip: How to Leave Unequal Inheritances Without Family Wars

    Can you leave more to one child than another without creating lifelong resentment? In this episode, Ken Moraif explains why heirs often interpret inheritance as “love units” and how unequal distributions can trigger family conflict, will contests, and years of hurt feelings. The solution is not just legal, it’s relational: communicate your plan ahead of time. Subscribe for more retirement planning, investing education, risk management, and market insights. 0:00 Intro 0:20 The estate attorney story 1:15 The “love units” concept 2:05 Why unequal inheritances create resentment 2:55 The “reading of the will” drama problem 3:35 The best way to do it: talk in advance 4:25 Wrap up and closing 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.

    5 min

  2. FEB 13

    Stop Guessing Your Risk: 4 Smart Ways to Protect Your Retirement Money

    When you invest, you are in the risk game. The question is not whether you have risk, it is whether you are managing it on purpose. In this episode of the Retirement Planners of America Podcast, Ken Moraif breaks down four practical ways to manage investment risk, especially if you are within five years of retirement or the first five years of retirement. We Talk About: Diversification: building an optimized portfolio where different investments can behave differently Asset allocation: why your stock and bond mix matters more than most people realize Dollar cost averaging: how consistent investing can reduce timing risk A sell strategy: why buy and hold alone can be incomplete for retirees, and how downside risk management can help If you are retired or retiring soon and want help building a plan that supports your lifestyle, visit rpoa.com. Subscribe for more retirement planning, investing education, risk management, and market insights. 0:00 Intro 0:45 You are in the risk game 1:35 1 Diversification 2:55 2 Asset allocation (the 40 percent idea) 5:00 3 Dollar cost averaging 7:10 4 Have a sell strategy (avoid big bear markets) 9:55 Recap and closing thoughts 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. Statements regarding the ‘Invest and Protect’ strategy (formerly 'Buy, Hold, and Sell') or recommendations made prior to 2011 refer to strategies collectively employed and recommendations collectively made by RPOA’s principals while employed at Eagle Strategies, LLC. RPOA was created in 2011 and uses the same exit strategy. Like all investment strategies, the Strategy is not guaranteed. It is possible that the sell signal can incorrectly predict a bear market, and affected investors would not participate in gains they could have realized by remaining invested. Implementing the Strategy may also result in tax consequences and transaction costs 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.  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.

    11 min

  3. FEB 6

    What's Up With Gold?

    Gold is up big and the headlines are everywhere. Is gold an inflation hedge, a fear asset, or something else entirely? In this episode, Ken Moraif and Jordan Roach break down what is driving the move in gold, why central banks matter more than most people realize, and how to think about gold, silver, and crypto in a retirement focused portfolio. We cover why gold often moves on fear and geopolitics, how major events can push demand, why institutional flows can amplify price moves, and what risks show up when an asset gets crowded. If you are retired or retiring soon and you are wondering whether to chase the gold rally, this conversation will help you frame the decision with risk first. Like & subscribe for weekly retirement insights. 00:00 Gold is up big so whats driving it 02:05 Gold is not a pure inflation hedge its more about fear 04:25 Ukraine and rising geopolitical risk as a catalyst 07:10 Central banks and institutional money move gold prices 10:35 Retail investors and the risk of buying late 13:10 Silver and the gold to silver ratio 16:05 Gold vs crypto and how retirees should think about position size 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. 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.  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.

    20 min

  4. JAN 30

    Retiring Soon? COBRA, ACA Marketplaces & the Medicare Bridge Explained

    Choosing health coverage in the years before Medicare can be confusing—and costly. Ken Moraif and licensed health-insurance pro Lynn Timm break down practical options: when COBRA makes sense, when an ACA (Affordable Care Act) Marketplace plan may be a better fit, and how to think about timing and transitions. Like & subscribe for weekly retirement insights. 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.

    24 min

  5. JAN 23

    Protect Your Medicare: How to Avoid Bad Switches, Spam Calls & Coverage Surprises

    Medicare can be confusing when phone calls, mailers, and pop-up offers ramp up. In this episode, Ken Moraif and Medicare specialist Lynn Timm explain practical ways to protect yourself: how unsolicited plan “switch” calls happen, why beneficiary forms and provider networks matter, how Part D changes can affect prescriptions, and why your safest move is working with a trusted, licensed professional who knows your needs and doctors. We cover common missteps that lead to higher premiums, lost drug coverage, or out-of-network surprises and simple steps to check your current plan before you accept any offer over the phone. If this helped, tap Like and Subscribe for more retiree-friendly guidance on Medicare, Social Security, investing, and planning. 00:00 – Introduction: How to Avoid Becoming a Medicare Victim 01:20 – The Medicare Scam Problem: TV Ads, Phone Calls, and Confusion 03:05 – Real-Life Example: How Medicare Plans Get Changed Without Consent 05:10 – How Marketers Target Seniors Turning 65 06:45 – Illegal & Misleading Practices: What Medicare Will Never Do 08:20 – How to Protect Yourself: What to Do (and What Not to Do) 10:45 – Key Takeaways + Preview of Part Two on Rising Medicare Premiums 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.

    13 min

  6. JAN 16

    Gas Prices, Geopolitics & Markets: Venezuela/Iran Explained for Long-Term Investors

    Geopolitics is back on the front page—Venezuela sanctions shifts, unrest in Iran, and fresh supply/demand puzzles for global oil. In this episode, Jordan, and Jeremy unpack what rising or falling crude could mean for U.S. gas prices, market leadership, and long-term retirement planning. We cover sequencing risk, diversification, and why disciplined rules matter more than headlines. If you’re retired or retiring soon, your plan should drive your risk—not the news cycle. Ready to stress-test your strategy? Subscribe for more videos like this one. Timestamps: 00:00 – Opening: Venezuela, Iran, and Why Energy Is Back in Focus 01:45 – Why Venezuela Matters: Oil Reserves, OPEC, and Global Power 04:05 – Regime Change Implications: Can Oil Production Recover? 06:40 – OPEC, Iran, and the Global Supply-Demand Tug of War 09:30 – Where Venezuelan Oil Goes Today: China, Sanctions, and Security 12:05 – What This Means for Inflation, Gas Prices, and Your Wallet 16:40 – Market Volatility, Portfolio Implications, and Final Takeaways 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.

    22 min

  7. JAN 9

    The Minnesota Medicaid "Heist", What Happened?

    Medicaid headlines can be confusing—and costly. In this episode, Ken talks with benefits expert Lynn Timm about how fraud can slip into large public programs and what states are doing to strengthen oversight. We also discuss practical steps families can use to keep paperwork current and avoid unintended gaps in coverage and in future episodes we'll give you tips to avoid being a victim of Medicare and Medicaid scams. Subscribe for weekly, plain-English financial education. Visit rpoa.com to connect with one of our financial advisors. 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.

    10 min

  8. 12/12/2025

    Market Power, Monopoly Fears, and the Warner Bros. Battle

    Is the streaming landscape on the verge of a mega-merger? In this episode, Ken Moraif (with Jeremy and Jordan) breaks down the Netflix/Warner Bros/Paramount bidding battle, why lawmakers are pushing antitrust scrutiny, and how consolidation could reshape streaming, movie theaters, and broad market exposure. We also talk about concentration risk inside major indexes and why diversification still matters. We keep it practical and entertaining—because understanding market power, regulation, and shifting consumer habits can help long-term investors stay level-headed. If you enjoy the show, please like, subscribe, and share with a friend. New episodes weekly! 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.

    18 min
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