Oklahoma City, OK Office

Retirement Planners of America provides discretionary portfolio management and financial planning to individuals, high‑net‑worth clients, and retirement plan participants, primarily through a wrap-fee investment program. The firm also manages certain held‑away accounts and coordinates non‑investment services, including insurance and tax‑preparation referrals through affiliated entities.

The firm follows an “Invest and Protect” approach that emphasizes capital preservation and tactical rebalancing; it deploys model portfolios made up largely of funds (ETFs and mutual funds) and uses a mathematically‑based long‑term market signal as one input while retaining discretionary authority to trade outside that signal. RPOA’s process can move client assets collectively into cash as a defensive measure and maintains a minimum cash allocation in client accounts regardless of market conditions.

Compared with many multi‑team peers, RPOA does not offer fixed‑dollar planning fees and relies on percentage‑of‑AUM compensation, and its client programs are tied to specific custodial arrangements—certain subprograms and platform access are limited by custodian—which the firm discloses as creating potential conflicts of interest. The firm’s advisors are required to hold insurance licenses and the adviser has affiliated insurance and tax businesses, arrangements the brochure notes may influence product referrals and create additional conflicts that clients should consider.