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Why Choose Us As Your Retirement Planner?

We believe in taking only as much risk as is necessary to achieve your financial goals. Protecting your retirement is our top priority. Our Invest and Protect Strategy is designed to grow your retirement assets when the market allows, but also shield them from market instability that could threaten your ability to retire or stay retired.

Why Choose Us as Your Retirement Planner?

Our goals are to make your money last as long as you do and for you to have financial peace of mind. To do that, our credentialed Retirement Planners always put you first.

If you are 50 or over, you’ve probably been saving for retirement for decades and have worked hard to get here. That’s why we make protecting your savings our top priority. Our Invest and Protect Strategy is designed to grow your assets when the stock market allows, but also protect them from losses that could prevent you from retiring or staying retired.

We believe retirement planning should go far beyond investment management. As a client of Retirement Planners of America, your multi-faceted retirement plan will address your unique needs for:

  • Social Security Planning
  • Tax Planning
  • Estate Planning
  • Investment Management
  • Family Legacy Planning
  • Retirement Lifestyle Planning
  • Medicare Planning
  • Life Insurance
  • Retirement Cash-Flow Management
  • And more!

Ready to work with a team that specializes in retirement planning?

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Ready to work with a team that specializes in retirement planning?

Saving for Retirement Is Your Job. Helping to Protect Your Savings Is Ours.

If you are 50 or over, we believe it’s time to consider how your investments could impact your ability to live the retirement lifestyle you want.

We believe you should only take as much risk as necessary to achieve your financial goals. This means we think riding out the ups and downs of the stock market is too risky for investors over 50. Why? Not only do you have less time to recover your losses from a bear market, but if you are taking money out of your accounts for income, you are eating away at your principal.

For example: If you’ve been withdrawing 4% of your assets each year and the market causes a loss of 50%, you’d have to take out 8% to maintain the same income. That’s a heavy load for your investments to carry, and you may risk running out of money in retirement.

That’s why we think protecting your investments is essential to preserving your retirement income. Our Invest and Protect Strategy is designed to help protect your nest egg from the threat of a market crash. Our strategy enables you to participate in the stock market’s unlimited upside while protecting you from what we believe is a tolerable downside.

Protect My Retirement

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MMWKM Advisors, LLC (d/b/a Retirement Planners of America ) (“Retirement Planners of America”) is an SEC registered investment adviser with a primary business location in Plano, Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Retirement Planners of America has attained a certain level of skill, training, or ability. The “Invest and Protect Strategy” (the “Strategy”) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Retirement Planners of America previously employed a similar strategy that it referred to as the “buy, hold, and sell” strategy or “buy hold, and protect” strategy. Past performance does not guarantee future results. Therefore, current or prospective clients should not assume that the future performance of the Strategy, any specific investment, or any other investment strategy that Retirement Planners of America recommends will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. References to recommendations made under the Strategy that predate 2011; and statements such as and similar to: “we told our clients to be out of the market in 2007 and 2008,” “we told our clients to get back into the market in 2009,” and “clients that followed our advice were out of the market in 2008;” refer to strategies collectively employed and recommendations collectively made by Retirement Planners of America’s principals while employed at Eagle Strategies, LLC., and also at Cambridge Investment Research Advisors, Inc. Three of the five principals remain as principals today, including the Retirement Planners of America’s founder, Ken Moraif. Retirement Planners of America has been employing the Strategy since its inception in 2011. Therefore, any references to Retirement Planners of America’s performance or its investment advisory recommendations predating 2011 generally refer to recommendations made by Retirement Planners of America’s principals at the respective other firms described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. However, when implementing that portion of the Strategy, Retirement Planners of America believes that the benefit of avoiding bear markets outweighs the burden of these transaction costs and tax consequences. Retirement Planners of America is not an accounting firm or a law firm. The receipt of personalized and tailored services, or access to financial or professional resources should not be construed as a guarantee of a particular outcome. Comprehensive or holistic financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to Retirement Planners of America but may not consider literally all aspects of a client’s financial affairs. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Retirement Planners of America’s services will vary based upon a variety of factors, such as the client’s investment, tax, and financial circumstances and overall objectives. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Retirement Planners of America’s services will vary based upon a variety of factors, such as the client’s investment and financial circumstances, the client’s tax bracket, the nature and amount of the client’s employer and outside benefits, the client’s level of cooperation and communication, and the client’s overall objectives. Retirement Planners of America will generally upon the accuracy and completeness of the information provided by the client when providing advisory services. The receipt of personalized and tailored services, access to financial or professional resources, or the experience or expertise of an adviser should not be construed as a guarantee of a particular outcome. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Third-party sites that are directly or indirectly linked or referenced above may collect information, including personal information relating your online activities over time and across different websites and other online services. Retirement Planners of America does not control a third-party’s collection or use of personal information or tracking technologies. Photos and images on this website are not of past or present clients of Retirement Planners of America. These photos should not be construed as an endorsement of Retirement Planners of America or its representatives by any client.

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