Retirement Planners of America

Retirement Planners of America is an SEC‑registered investment adviser with a multi‑team advisor structure managing roughly $3.6 billion and serving individuals (including high‑net‑worth clients), plan participants, and institutions. The firm offers discretionary portfolio management through a wrap‑fee program, ongoing financial planning and consulting, held‑away account management via the Pontera platform, and access to annuity and insurance products.

Its investment process centers on an Invest and Protect Strategy™ that allocates among BNY Mellon ETF‑based model portfolios and cash, and uses a mathematically based signal tied to the S&P 500 200‑day moving average to time market exposure. RPOA retains broad discretionary authority to rebalance or move assets to cash when it perceives elevated market risk, and operates a dedicated RPOA Direct program with a smaller planner team for clients with lower investable assets.

Distinctive disclosures in the brochure include the firm’s operational and financial arrangements with Pershing and the BNY Funds (including Pershing‑provided platform services and marketing support), and its affiliations with an insurance agency and a tax preparation affiliate that create potential referral and commission conflicts. The firm also describes promotional activity tied to its leadership (including authorship) and the use of digital advertising channels and client testimonials in marketing, which it discloses as part of its conflicts‑of‑interest and privacy practices.