# Retirement Planners of America

> 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.

- CRD: 157222
- Filed as: RETIREMENT PLANNERS OF AMERICA
- Legal name: Rpoa Advisors, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Plano, TX
- Filing period: October 2026
- Form ADV filing dated: September 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/157222
- AdvisorCensus page: https://advisorcensus.com/firm/retirement-planners-of-america-plano-tx-157222

## Quick answers

**How is Retirement Planners of America compensated?**
On its Form ADV (Item 5.E, October 2026), Retirement Planners of America reports these compensation arrangements: a percentage of assets under its management. The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Retirement Planners of America located?**
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).

**Is Retirement Planners of America registered with the SEC or a state?**
Retirement Planners of America is an SEC-registered investment advisory firm, registered since 2011. Status as filed: Approved. CRD 157222.

**How much does Retirement Planners of America manage?**
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).

**How have Retirement Planners of America's assets and staff changed since 2021?**
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.

**What types of clients does Retirement Planners of America serve?**
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).

**Which custodians does Retirement Planners of America use?**
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.

**Does Retirement Planners of America report any disciplinary disclosures?**
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

**What changed in Retirement Planners of America's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 34 to 26. Changed its office addresses in Austin, TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Custodians (Schedule D, Section 5.K(3))
- Pershing LLC

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.

### Regulatory assets under management (Item 5.F)
- Total: $3,588,670,117
- Discretionary: $3,558,025,019
- Non-discretionary: $30,645,098

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 4,509 | $1,559,975,260 |
| High net worth individuals | 1,116 | $1,990,681,696 |
| Corporations or other businesses not listed above | 32 | $38,013,161 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2011 (15 years)
- Employees: 126 total, 26 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: 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
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Austin, TX
- El Segundo, CA
- Fort Worth, TX
- Houston, TX
- Irvine, CA
- Oklahoma City, OK
- Pasadena, CA
- Plano, TX
- Tempe, AZ
- The Woodlands, TX

### Websites listed on Form ADV (Item 1.I)
- buyholdandsell.com
- moneymatters.net
- retirementplannersofamerica.com
- rpoa.com
- vimeo.com/rpofamerica
- Facebook @rpofamerica
- Instagram @rpofamerica
- LinkedIn @MONEY-MATTERS-WITH-KEN-MORAIF-
- LinkedIn @rpoa
- Pinterest @rpofamerica
- X @KenMoraif
- X @rpofamerica
- YouTube @retirementplannersofamerica

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $4,504,485,677 | 100 | September 8, 2021 |
| October 2022 | $4,709,352,114 | 100 | March 30, 2022 |
| October 2023 | $3,429,793,211 | 115 | September 11, 2023 |
| October 2024 | $3,557,314,906 | 122 | August 9, 2024 |
| October 2025 | $3,975,227,271 | 126 | July 30, 2025 |
| October 2026 | $3,588,670,117 | 126 | September 24, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 34 to 26.
- Changed its office addresses in Austin, TX.

### February 2026
- No longer lists an office in Plano, TX.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Retirement Planners of America (CRD 157222): Form ADV filing data as of October 2026.