PODCAST

The Retirement Planners of America Podcast

Money Matters with Ken Moraif

Helping you make your money last as long as you do.

business investing

All Episodes

8:22

Seven Deadly Sins Of Investing

The Retirement Planners of America Podcast ·

2026/02/27

Are you accidentally sabotaging your investments? In this episode, Ken Moraif breaks down the 7 Deadly Sins of Investing and explains how common behaviors like emotion, greed, impatience, disorganization, and fear can hurt your long term financial outcomes. If you are retired, retiring soon, or planning for retirement, this is a must watch conversation about how to make smarter investment decisions and avoid costly mistakes. 0:00 Intro: The 7 Deadly Sins of Investing 0:34 Sin 1: Emotion 1:...

4:44

Estate Planning Tip: How to Leave Unequal...

The Retirement Planners of America Podcast ·

2026/02/20

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 attorne...

10:30

Stop Guessing Your Risk: 4 Smart Ways to Protect Your...

The Retirement Planners of America Podcast ·

2026/02/13

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: wh...

19:55

What's Up With Gold?

The Retirement Planners of America Podcast ·

2026/02/06

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 r...

23:53

Retiring Soon? COBRA, ACA Marketplaces & the Medicare...

The Retirement Planners of America Podcast ·

2026/01/30

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 inv...

12:38

Protect Your Medicare: How to Avoid Bad Switches,...

The Retirement Planners of America Podcast ·

2026/01/23

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 d...

21:37

Gas Prices, Geopolitics & Markets: Venezuela/Iran...

The Retirement Planners of America Podcast ·

2026/01/16

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 y...

10:19

The Minnesota Medicaid "Heist", What Happened?

The Retirement Planners of America Podcast ·

2026/01/09

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 ...

17:48

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

The Retirement Planners of America Podcast ·

2025/12/12

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...

26:50

The Risks of Buy and Hold

The Retirement Planners of America Podcast ·

2025/12/05

Buy-and-hold has a place—but retirement brings new risks like sequence-of-returns, required withdrawals, and tax considerations. In this conversation, Ken and the team break down how market downturns can affect lifetime income, why diversification alone may not limit losses, and where a rules-based “sell discipline” can fit into a retirement plan. We cover: • Sequence-of-returns risk and why early losses can sting in retirement • Where diversification helps—and where it doesn’t • The role of...

29:23

How Much Risk Should Retirees Take? The Smart Way to...

The Retirement Planners of America Podcast ·

2025/11/21

How much market risk do you actually need to reach your retirement goals? In this episode, Ken and Jeremy walk through the trade-off between return and volatility, how mix (e.g., 60/40 vs. 30/70) changes portfolio behavior, why diversification helps—but isn’t a cure-all—and why the “most important decade” (five years before and five years after retirement) deserves extra care. Ready to talk through your plan? Visit rpoa.com to explore a Retirement Cash Flow Plan. RPOA Advisors, Inc. (d/b/a R...

49:25

Retirement Cash Flow Plan

The Retirement Planners of America Podcast ·

2025/11/14

Will your savings reliably support you through your retirement years? In this episode of the Retirement Planners of America podcast, Ken Moraif and co-host Jeremy Thornton walk through their Retirement Cash Flow Plan framework — a practical way to think about income, withdrawals, taxes, inflation, and bear markets when you’re in (or approaching) retirement. Using a real-world style example, they discuss: Separating pre-tax and after-tax accounts for smarter withdrawal decisions How Social...

52:14

Lurking Tax Time Bomb!

The Retirement Planners of America Podcast ·

2025/11/07

Required Minimum Distributions (RMDs) can impact taxes, Medicare premiums, and cash-flow in retirement. In this episode, Ken Moraif and Jeremy Thornton explain when RMDs start (age rules), how the penalties work, and practical ways retirees plan ahead—like tax-bracket management, Roth conversions, qualified charitable distributions (QCDs), spousal planning, and timing tactics that help you stay organized and invested. RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an ...

47:07

Strategies To Beat Inflation

The Retirement Planners of America Podcast ·

2025/10/31

Inflation eats into purchasing power—especially once pay raises stop. In this episode, Ken and Jeremy cover practical, level-headed ways retirees can plan for inflation without hype: from choosing where to keep cash, to timing Social Security, budgeting with intention, and setting the right mix of stocks versus safer assets. We keep it simple, educational, and actionable so you can feel more confident about your retirement plan. If you’d like a personalized review or a second opinion, connec...

25:31

The Most Important Decade Of Your Financial Life

The Retirement Planners of America Podcast ·

2025/10/24

Retirement has a “red zone”: the 5 years before and the 5 years after you retire. Decisions in this window can shape the rest of your financial life. In this episode, Ken Moraif and CIO Jordan Roach discuss why this decade matters, how major market drawdowns have impacted real families, and practical ways to think about risk, withdrawals, and planning so your savings can support your goals for the long run. RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registe...

16:34

How To Avoid Taxes On Your Life Insurance

The Retirement Planners of America Podcast ·

2025/10/17

Many families are surprised to learn that while life insurance proceeds are generally income-tax free, they can still be included in your taxable estate if ownership and premium rules aren’t handled correctly. In this episode, Ken and Jeremy break down when a policy may be pulled into your estate and how a properly structured Irrevocable Life Insurance Trust (ILIT) can help. We also cover the three IRS “ownership/incidents/premiums” tests, the “three-year rule,” and why Crummey notices matter...

16:14

How To Protect Your Estate From Taxes, Divorce,...

The Retirement Planners of America Podcast ·

2025/10/10

Protecting an inheritance for children and grandkids can be done thoughtfully and within the law. In this episode, we unpack how dynasty (aka generation-skipping) trusts are structured, what they can and cannot do, and why some families use them to help insulate assets from lawsuits, divorce, bankruptcy, and potential estate taxes—subject to state rules and careful drafting. This discussion is educational, not legal advice. Please consult a qualified estate-planning attorney about your situat...

13:04

Estate Planning: Part 4 How To Pass your House On to...

The Retirement Planners of America Podcast ·

2025/10/03

Thinking about how to pass your home to family the right way? In this episode, Ken and Jeremy walk through the Qualified Personal Residence Trust (QPRT)—what it is, when it’s considered, key trade-offs, and common pitfalls to avoid. You’ll learn high-level concepts like present-value discounting, trust timelines, living arrangements, and why professional advice is essential. What we cover: • What a QPRT is (at a high level) • Why some families explore a QPRT for a primary residence • The trad...

13:26

Estate Planning: Part 3 Ownership Designations

The Retirement Planners of America Podcast ·

2025/09/26

Thinking about excluding an heir from your estate? This video gives you a clear, education-focused guide to what’s involved, what commonly goes wrong, and legal tools that may help (like living trusts). What you’ll see in the video: • Why disinheritance is almost always emotional, not just financial • Risks to your plan if you don’t set up documents carefully • How a living trust can help avoid surprises or challenges • The importance of honesty and communication with your family RPOA Adviso...

36:40

Estate Planning: The Basics

The Retirement Planners of America Podcast ·

2025/09/12

✍️ Estate planning may not be the most glamorous topic—but it’s one of the most important steps you can take to protect your family and your legacy. Without a plan, you risk letting the government decide what happens to your wealth, or worse, creating family conflicts that last for generations. In this episode of the Retirement Planners of America Podcast, Ken Moraif and Jeremy Thornton break down: ✅ The basics of wills and why every retiree should have one ✅ What happens if you die intestat...

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The Retirement Planners of America Podcast

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