Retirement Planning is About More Than Money: A Client’s Story.

In this special episode of Money Matters, Ken Moraif welcomes longtime RPOA client to share his real-life retirement journey and the lessons he learned after living through the 2008 financial crisis. From sleepless nights during market downturns to finding peace of mind with a retirement strategy, Jeff offers honest insights every pre-retiree and retiree can learn from. Ken also answers an important Social Security question about maximizing survivor benefits and explains how families can structure life insurance to help pass wealth to heirs’ estate tax-free. This episode combines practical retirement advice, real client experience, and a reminder that retirement planning is about more than money. It’s about confidence, relationships, and peace of mind. Visit: rpoa.com Like, subscribe, and share with someone planning for retirement. 0:00 Introduction 2:00 Retiree dad jokes and retirement humor 6:15 Meet Jeff: lessons from a longtime retiree 9:00 Surviving the 2008 financial crisis 13:00 Why managing downside risk matters in retirement planning 17:00 Emotional lessons about retirement planning 21:00 Social Security survivor benefit strategies 25:00 How spousal Social Security benefits work 28:30 Estate planning: making life insurance tax-free 31:00 What is an ILIT (Irrevocable Life Insurance Trust)? 33:30 Final thoughts and wrap-up 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 t

Added 23 May 2026