📰 Social Security Cuts? What You Need to Know Now

The Social Security Trustees have issued a stark update: by 2035, the system may only be able to pay out 81% of promised benefits. In this episode, we unpack what’s happening, what it could mean for your retirement income, and how these changes might affect people at different income levels.

Ken and Jeremy explore:

The latest Social Security projections

What happened in the past—and what might happen now

Possible government responses like raising the retirement age or means testing

Strategic thinking around when to take Social Security benefits

Why proactive planning matters now more than ever

📺 This is one of many timely episodes designed to help you think through important retirement issues. Explore the rest of our channel for more practical insights on planning, investing, and preparing for the future.

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Social Security Board of Trustees Report: https://www.ssa.gov/news/press/releases/2025/#2025-06-18

RPOA Advisors, Inc., doing business as Retirement Planners of America ("RPOA"), is an SEC-registered investment adviser headquartered in Plano, Texas. Registration does not imply a certain level of skill or training. Past performance does not guarantee future results.

The information presented constitutes the authors' personal opinion and is provided for hypothetical and illustrative purposes only. It should not be construed as a projection, forecast, or guarantee of future outcomes.

Backtested performance is hypothetical, does not represent actual investment results, and has certain limitations. Hypothetical backtests are created with the benefit of hindsight, may not reflect the impact of material economic and market factors, and do not account for all factors, such as transaction costs, taxes, fees, or liquidity constraints.

Testimonials mentioned in this video may not represent the experiences of all clients.

The Invest and Protect Strategy may not be suitable for everyone and involves risks, including potential loss of principal. Please discuss these risks and suitability directly with your financial advisor before making investment decisions.

See disclosures at https://www.rpoa.com/disclosures/

Retirement Planners of America's Senior Retirement Planner Ken Moraif reviews the economy and market events for July 4, 2025. Learn more or sign up for RPOA's weekly Market Alerts at https://RetirementPlannersofAmerica.com​.

Economic indicators and stock market performance cannot be predicted. Opinions expressed regarding the economy and the stock market belong solely to Ken Moraif on behalf of Retirement Planners of America and may not accurately portray actual future performance of the economy or stock market outcomes. Opinions expressed in this video is intended to be for informational purposes only and is not intended to be used as investment advice for individuals who are not clients of Retirement Planners of America. All content provided is the opinion of Ken Moraif, CEO and Founder of RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, "RPOA"). ©Copyright 2025 A full list of RPOA's disclosures can be found here: https://www.rpoa.com/disclosures/

🎧 Your Magic Number: What It Means and Why It Matters
In this episode, Ken and Jeremy explore the idea of a “magic number”—a personal figure tied to your financial future that can influence the way you think about retirement, risk, and planning.

This conversation is part of a broader series focused on helping you think through key financial decisions with clarity.

📌 Want more thoughtful takes on planning, strategy, and long-term financial thinking? Check out the rest of our videos for more ideas worth considering.

RPOA Advisors, Inc., doing business as Retirement Planners of America ("RPOA"), is an SEC-registered investment adviser headquartered in Plano, Texas. Registration does not imply a certain level of skill or training. Past performance does not guarantee future results.

Backtested performance is hypothetical, does not represent actual investment results, and has certain limitations. Hypothetical backtests are created with the benefit of hindsight, may not reflect the impact of material economic and market factors, and do not account for all factors, such as transaction costs, taxes, fees, or liquidity constraints.

Testimonials mentioned in this video may not represent the experiences of all clients.

The Invest and Protect Strategy may not be suitable for everyone and involves risks, including potential loss of principal. Please discuss these risks and suitability directly with your financial advisor before making investment decisions.

See disclosures at https://www.rpoa.com/disclosures/