{ "crd_number": 157222, "slug": "retirement-planners-of-america-plano-tx-157222", "primary_business_name": "RETIREMENT PLANNERS OF AMERICA", "legal_name": "RPOA ADVISORS, INC.", "dbas": [], "city": "Plano", "state": "TX", "country": "United States", "cbsa_code": "19100", "metro": { "cbsa_code": "19100", "common_name": "Dallas", "msa_name": "Dallas-Fort Worth-Arlington, TX", "path": "/advisors/tx/dallas" }, "registration_type": "sec", "registration_status": "Approved", "registration_date": "2011-04-04", "years_registered": 15, "period": "2026-10-01", "filing_date": "2026-09-24", "carried_forward": false, "raum_total": 3588670117.0, "raum_discretionary": 3558025019.0, "raum_non_discretionary": 30645098.0, "raum_band": "1b_5b", "raum_band_label": "$1 billion to $5 billion", "total_employees": 126, "advisory_employees": 26, "client_count_bucket": null, "clients_by_type": { "individuals": { "raum": 1559975260.0, "count": 4509 }, "high_net_worth_individuals": { "raum": 1990681696.0, "count": 1116 }, "corporations_other_businesses": { "raum": 38013161.0, "count": 32 } }, "compensation_types": [ "percentage_of_aum" ], "advisory_activities": [ "financial_planning", "portfolio_management_individuals" ], "wrap_fee_participant": true, "disclosure_yes_count": 0, "states_registered": [ "AK", "AL", "AR", "AZ", "CA", "CO", "FL", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "MI", "MN", "MO", "MS", "MT", "NC", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "TX", "UT", "VA", "WA", "WI", "WY" ], "websites": [ "https://buyholdandsell.com", "https://facebook.com/rpofamerica", "https://instagram.com/rpofamerica", "https://linkedin.com/COMPANY/MONEY-MATTERS-WITH-KEN-MORAIF-", "https://linkedin.com/company/rpoa", "https://moneymatters.net", "https://pinterest.com/rpofamerica", "https://retirementplannersofamerica.com", "https://rpoa.com", "https://twitter.com/KenMoraif", "https://twitter.com/rpofamerica", "https://vimeo.com/rpofamerica", "https://youtube.com/retirementplannersofamerica" ], "iapd_url": "https://adviserinfo.sec.gov/firm/summary/157222", "city_as_filed": "PLANO", "url": "https://advisorcensus.com/firm/retirement-planners-of-america-plano-tx-157222", "display_name": "Retirement Planners of America", "summary": "Retirement Planners of America is an SEC-registered investment advisory firm in Plano, TX, registered since 2011, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated September 24, 2026.", "citation": "AdvisorCensus. Retirement Planners of America (CRD 157222): Form ADV filing data as of October 2026.", "registration_type_label": "SEC-registered investment adviser", "compensation_labels": [ "A percentage of assets under your management" ], "advisory_activity_labels": [ "Financial planning services", "Portfolio management for individuals and/or small businesses" ], "quick_answers": [ { "q": "How is Retirement Planners of America compensated?", "a": "On its Form ADV (Item 5.E, October 2026), Retirement Planners of America reports these compensation arrangements: a percentage of assets under its management." }, { "q": "Where is Retirement Planners of America located?", "a": "Retirement Planners of America's principal office is in Plano, TX, according to its Form ADV; the October 2026 filing also lists 10 other offices (Schedule D, Section 1.F)." }, { "q": "Is Retirement Planners of America registered with the SEC or a state?", "a": "Retirement Planners of America is an SEC-registered investment advisory firm, registered since 2011. Status as filed: Approved. CRD 157222." }, { "q": "How much does Retirement Planners of America manage?", "a": "Retirement Planners of America reports $3,588,670,117 in regulatory assets under management in its Form ADV filing dated September 24, 2026 (99% discretionary)." }, { "q": "How have Retirement Planners of America's assets and staff changed since 2021?", "a": "In the Form ADV data for Retirement Planners of America: Regulatory assets under management: $4,504,485,677 in the October 2021 data and $3,588,670,117 in the October 2026 data, down 20%. Total employees: 100 in October 2021 and 126 in October 2026. Assets under management move with markets as well as with clients coming and going." }, { "q": "What types of clients does Retirement Planners of America serve?", "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (4,509); high net worth individuals (1,116); corporations or other businesses not listed above (32)." }, { "q": "Which custodians does Retirement Planners of America use?", "a": "Retirement Planners of America's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Pershing LLC as a custodian holding 10% or more of its separately managed account assets." }, { "q": "Does Retirement Planners of America report any disciplinary disclosures?", "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/157222" }, { "q": "What changed in Retirement Planners of America's recent Form ADV filings?", "a": "In the April 2026 filing data: Employees performing advisory functions went from 34 to 26. Changed its office addresses in Austin, TX." } ], "filing_history": [ { "period": "2021-10-01", "regulatory_assets_under_management": 4504485677.0, "total_employees": 100, "filing_date": "2021-09-08" }, { "period": "2022-10-01", "regulatory_assets_under_management": 4709352114.0, "total_employees": 100, "filing_date": "2022-03-30" }, { "period": "2023-10-01", "regulatory_assets_under_management": 3429793211.0, "total_employees": 115, "filing_date": "2023-09-11" }, { "period": "2024-10-01", "regulatory_assets_under_management": 3557314906.0, "total_employees": 122, "filing_date": "2024-08-09" }, { "period": "2025-10-01", "regulatory_assets_under_management": 3975227271.0, "total_employees": 126, "filing_date": "2025-07-30" }, { "period": "2026-10-01", "regulatory_assets_under_management": 3588670117.0, "total_employees": 126, "filing_date": "2026-09-24" } ], "recent_changes": [ { "period": "2026-04-01", "period_label": "April 2026", "notes": [ "Employees performing advisory functions went from 34 to 26.", "Changed its office addresses in Austin, TX." ] }, { "period": "2026-02-01", "period_label": "February 2026", "notes": [ "No longer lists an office in Plano, TX." ] } ], "fees_from_brochure": null, "custodians": [ { "name": "Pershing LLC", "name_as_filed": "PERSHING LLC", "affiliated": false } ], "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.", "markdown_url": "https://advisorcensus.com/firm/retirement-planners-of-america-plano-tx-157222.md", "clients": [ { "type": "individuals", "label": "Individuals (other than high net worth individuals)", "count": 4509, "fewer_than_5": false, "raum": 1559975260.0 }, { "type": "high_net_worth_individuals", "label": "High net worth individuals", "count": 1116, "fewer_than_5": false, "raum": 1990681696.0 }, { "type": "corporations_other_businesses", "label": "Corporations or other businesses not listed above", "count": 32, "fewer_than_5": false, "raum": 38013161.0 } ], "disclosure_line": "Reports no disclosure items on Form ADV Item 11.", "disclosure_items": [], "indexable": true, "suppressed": false, "claimed": false, "enhanced": false, "provided_by_the_firm": null, "source": { "name": "Form ADV", "as_of": "2026-10-01", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/157222", "operator": "BH Monitor Services, LLC", "license": "https://creativecommons.org/licenses/by/4.0/", "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data" } }