Retirement Planners of America logo

Retirement Planners of America

Updated today

Total assets under management

$3,588,670,117

Total clients

5,625

20% high-net worth

Total advisors

37

of 126 employees

Firm size

Multi Team

Average clients per advisor

152

Average account size

$637,986

About

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.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Retirement income strategy Annuities Income planning

Fee options

Fixed

Variable annuity accounts and held away accounts accessed through Pontera are subject to a flat negotiable fee not to exceed 1.25%.

Percentage

$0 - $250,000: 1.85% annually $250,000+: 1.30% annually

Commissions

Commission-based compensation earned by licensed insurance agents for selling insurance products, separate from advisory fees.

Other

Account minimum: $1,000

Main office location

Retirement Planners of America

2820 Dallas Parkway

Plano TX 75093, United States

Number of offices

12

Most active in

Alabama · Alaska · Arizona · Arkansas · California · Colorado · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · Ohio · Oklahoma · Oregon · Pennsylvania · South Carolina · South Dakota · Tennessee · Texas · Utah · Virginia · Washington · Wisconsin · Wyoming

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

John B

Series 66

Chandler, AZ

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
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Robert T

CFP®, Series 63, Series 66

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Jacqelyn B

Series 65

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Clifford K

CFP®, Series 65

Irvine, CA

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Michael L

CFP®, Series 63

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
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Karli B

CFP®, Series 66

Scottsdale, AZ

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Paul L

Series 65

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Gwendolyn N

Series 65

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
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Donald C

Series 65

St. George, UT

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
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Christopher S

Series 65

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Thomas H

Series 63, Series 65

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
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Douglas W

Series 63, Series 65

Houston, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Stephen L

Series 63, Series 66

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Mark W

Series 65

St. George, UT

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
user avatar

Natalie C

CFP®, Series 66

Plano, TX

Retirement Planners of America

General retirement planning Retirement income strategy Annuities Income planning
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