4 Stages Of Your Financial Life Cycle

🎯 The Four Stages of Your Financial Life Cycle: Where Do Most People Fail?

Retirement doesn’t happen by accident—it’s a journey that unfolds across four critical stages: Earning, Accumulation, Protection, and Legacy. In this episode of the Retirement Planners of America Podcast, Ken Moraif and Jeremy Thornton break down each phase and reveal where most people go wrong—and how you can avoid costly mistakes.

💡 What You’ll Learn:
✔ The financial goals you should focus on during your earning years
✔ How to maximize your accumulation phase and hit your "magic number"
✔ Why the five years before—and after—retirement are the most vulnerable
✔ What "sequential risk" is and how it can derail your retirement
✔ How to shift from growth to protection as you near retirement
✔ Strategies to preserve family harmony and leave a meaningful legacy

🔐 Why It Matters:
Most people fail not because of bad luck—but because they don’t adapt their financial strategy as they transition into retirement. This podcast gives you a roadmap to navigate each phase with confidence, clarity, and a plan that protects what matters most.

👥 Who Should Watch:
Whether you’re decades from retirement or just a few years away, this episode will help you understand where you are in your financial journey—and what you should be doing next.

📅 Ready to Know Your “Magic Number”?
Schedule a complimentary consultation with one of our experienced Retirement Planners to get your personalized Retirement Cash Flow Plan.

🔗 Meet with an Advisor Today: https://www.rpoa.com/meet-with-an-advisor/ 

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RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Retirement Planners of America has attained a certain level of skill, training, or ability. 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. 
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