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The Retirement Planners of America Podcast
Money Matters with Ken Moraif
243 episodes
3 weeks ago
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...
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Investing
Business
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All content for The Retirement Planners of America Podcast is the property of Money Matters with Ken Moraif and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
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...
Show more...
Investing
Business
Episodes (20/243)
The Retirement Planners of America Podcast
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 ...
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3 days ago
10 minutes

The Retirement Planners of America Podcast
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...
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1 month ago
17 minutes

The Retirement Planners of America Podcast
The Risks of Buy and Hold
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...
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1 month ago
26 minutes

The Retirement Planners of America Podcast
How Much Risk Should Retirees Take? The Smart Way to Decide
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...
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1 month ago
29 minutes

The Retirement Planners of America Podcast
Retirement Cash Flow Plan
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...
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1 month ago
49 minutes

The Retirement Planners of America Podcast
Lurking Tax Time Bomb!
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 ...
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2 months ago
52 minutes

The Retirement Planners of America Podcast
Strategies To Beat Inflation
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...
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2 months ago
47 minutes

The Retirement Planners of America Podcast
The Most Important Decade Of Your Financial Life
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...
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2 months ago
25 minutes

The Retirement Planners of America Podcast
How To Avoid Taxes On Your Life Insurance
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...
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2 months ago
16 minutes

The Retirement Planners of America Podcast
How To Protect Your Estate From Taxes, Divorce, Lawsuits, And Bankruptcy For Up To 100 Years
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...
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3 months ago
16 minutes

The Retirement Planners of America Podcast
Estate Planning: Part 4 How To Pass your House On to Your Heirs Tax Free
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...
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3 months ago
13 minutes

The Retirement Planners of America Podcast
Estate Planning: Part 3 Ownership Designations
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...
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3 months ago
13 minutes

The Retirement Planners of America Podcast
Estate Planning: The Basics
✍️ 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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4 months ago
36 minutes

The Retirement Planners of America Podcast
The Secrets To Avoiding High Taxes On Your Retirement Withdrawals
If you’re not careful, the way you take money out of your retirement accounts could cost you tens of thousands of dollars in unnecessary taxes. The good news? With the right strategy, you can keep more of your hard-earned savings. In this episode, Ken Moraif (Founder & CEO of Retirement Planners of America) and CIO Jordan Roach cover: ✅ The biggest withdrawal mistakes retirees make ✅ How tax treatment differs across IRAs, 401(k)s, Roth accounts, and brokerage accounts ✅ Why sequencing yo...
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4 months ago
9 minutes

The Retirement Planners of America Podcast
Tax Free Social Security? The 4 Year Window Every Senior Needs To Know!
What if you could receive your Social Security tax free? Sounds too good to be true — but for millions of retirees, new rules could make it possible until 2029. In this episode, Ken Moraif (Founder & CEO of Retirement Planners of America) and CIO Jordan Roach break down: ✅ How Social Security is taxed using provisional income ✅ The new $6,000 deduction per person — and what it means for retirees ✅ How retirees can structure withdrawals to avoid unnecessary taxes ✅ Common mistakes that co...
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4 months ago
10 minutes

The Retirement Planners of America Podcast
Crypto Is Going To Change Your 401(k) Forever! Are You Ready For What's Coming?
President Trump just signed an executive order that could allow cryptocurrency, real estate, and private equity inside your 401(k). But what does this mean for retirees and those nearing retirement? Is it a golden opportunity—or a risky move? In this episode of the Retirement Planners of America Podcast, Ken Moraif and Chief Investment Officer Jordan Roach break it all down: • The potential benefits of adding crypto, real estate, and private equity to your 401(k) • The major risks you need ...
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4 months ago
14 minutes

The Retirement Planners of America Podcast
If The Dollar Goes To Zero, Then What?
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 Am...
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5 months ago
30 minutes

The Retirement Planners of America Podcast
4 Stages Of Your Financial Life Cycle
🎯 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 ye...
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5 months ago
44 minutes

The Retirement Planners of America Podcast
5 Red Flags To Look Out For
🚩 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. 📺 Lookin...
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5 months ago
39 minutes

The Retirement Planners of America Podcast
Taking Your Social Security - 5 Things To Know
🎙️ 5 Critical Things to Know Before You Take Social Security Deciding when and how to take Social Security isn’t just about picking a date—it can have lasting financial consequences. In this episode, we break down five essential factors to consider before making your choice, including: ✅ Key age milestones that impact your benefits ✅ The role of life expectancy and break-even points ✅ How your income affects benefit taxation ✅ Spousal and survivor benefit strategies ✅ Tax implications that c...
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5 months ago
35 minutes

The Retirement Planners of America Podcast
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...