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 your strategy?
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Timestamps:
00:00 – Opening: Venezuela, Iran, and Why Energy Is Back in Focus
01:45 – Why Venezuela Matters: Oil Reserves, OPEC, and Global Power
04:05 – Regime Change Implications: Can Oil Production Recover?
06:40 – OPEC, Iran, and the Global Supply-Demand Tug of War
09:30 – Where Venezuelan Oil Goes Today: China, Sanctions, and Security
12:05 – What This Means for Inflation, Gas Prices, and Your Wallet
16:40 – Market Volatility, Portfolio Implications, and Final Takeaways

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 connect with one of our financial advisors.

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 shifting consumer habits can help long-term investors stay level-headed.

If you enjoy the show, please like, subscribe, and share with a friend. New episodes weekly!

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 a rules-based sell discipline alongside long-term investing
• How cash flow planning and tax awareness influence portfolio choices
• Practical next steps for people in or near retirement

If you’re within five years of retirement (or already retired), this episode will help you think more clearly about risk, withdrawals, and staying retired—through up and down markets.

Ready to chat with a Retirement Planner? Visit www.rpoa.com/meet-with-an-advisor

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.
Statements regarding the ‘Invest and Protect’ strategy (formerly 'Buy, Hold, and Sell') or recommendations made prior to 2011 refer to strategies collectively employed and recommendations collectively made by RPOA’s principals while employed at Eagle Strategies, LLC. RPOA was created in 2011 and uses the same exit strategy. Like all investment strategies, the Strategy is not guaranteed. It is possible that the sell signal can incorrectly predict a bear market, and affected investors would not participate in gains they could have realized by remaining invested. Implementing the Strategy may also result in tax consequences and transaction costs

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 Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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 Security fits into an overall income strategy

Stress-testing your plan with higher taxes, higher inflation, and modest returns

Why protecting against major market downturns matters so much once paychecks stop

How to think about “SCWPer” years (your second childhood without parental supervision)

This conversation is designed for people age 50+ who want clarity, structure, and a more disciplined approach to retirement income.

For more resources and episodes, visit: rpoa.com
Subscribe so you don’t miss upcoming episodes on Social Security, taxes, estate planning, and investment risk management.

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.
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.

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 SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

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, connect with our team at Retirement Planners of America.

If this helped, please Like, Subscribe, and Share with a friend who’s planning to retire.

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.