Rpoa Advisors, Inc.
SEC-registered
Wealth Manager · Mid-sized ($1B–$10B)
CRD 157222
· SEC file 801-72262
· Plano, TX
· retirementplannersofamerica.com
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ADV data as of Apr 20, 2026
- Regulatory AUM
- $3.6B
- Discretionary
- $3.6B
- Clients
- 5,657
- Avg AUM / client
- $634K
- Accounts
- 13,358
- Employees
- 126
AUM over time
$1.4B
$4.7B
Dec 2011
Dec 2025
Annual snapshots from Form ADV filings · as of Apr 20, 2026
Investments (13F portfolio — 6 positions, $2,285,354,248)
13F period Mar 31, 2026| # | Issuer | Class | Value | Shares | % of 13F | % of AUM |
|---|---|---|---|---|---|---|
| 1 | Bny Mellon Etf Trust | CORE BOND ETF | $870,117,525 | 20,618,899 | 38.1% | 24.2% |
| 2 | Bny Mellon Etf Trust | US LRG CP CORE | $739,571,383 | 5,925,578 | 32.4% | 20.6% |
| 3 | Bny Mellon Etf Trust | ULTRA SHORT INCM | $314,259,577 | 6,312,334 | 13.8% | 8.76% |
| 4 | Bny Mellon Etf Trust | US MDCP CORE EQT | $196,909,083 | 1,785,118 | 8.62% | 5.49% |
| 5 | Bny Mellon Etf Trust | INTERNATIONL EQT | $164,196,480 | 1,757,428 | 7.18% | 4.58% |
| 6 | Bny Mellon Etf Trust | HIGH YIELD ETF | $300,200 | 6,332 | 0.01% | 0.01% |
Top 25 of 6 positions from the manager's latest Form 13F · source filing (EDGAR) ↗. 13F covers long US-listed positions only. "% of AUM" is share of the firm's total regulatory AUM (Form ADV Item 5.F).
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 4,509 | $1.6B | 43.5% |
| High net worth individuals | 1,116 | $2.0B | 55.5% |
| Corporations and other businesses | 32 | $38.0M | 1.06% |
People (38)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Frye, William, Robert | Chief Compliance Officer | Mar 2011 (15y) | Less than 5% | |
| Kenneth Alfred Moraif | President And Chief Executive Officer | CFP | Apr 2011 (15y) | Less than 5% |
| Stuart, Julia | Chief Operating Officer | Jul 2021 (5y) | Less than 5% | |
| Stephen Brassil Luby | Chief Revenue Officer | May 2022 (4y) | Less than 5% | |
| Jordan Michael Roach | Chief Investment Officer | Jul 2022 (4y) | Less than 5% | |
| Winkler, Christopher, Todd | Chief Financial Officer | Mar 2023 (3y) | Less than 5% | |
| Charles Douglas Dyer | Registered representative | CFP | Apr 2011 (15y) | |
| Natalie Lynn Chandler | Registered representative | CFP | Jan 2012 (15y) | |
| Patsy Ralph Mandola | Registered representative | Aug 2013 (13y) | ||
| Robert Tunnell | Registered representative | CFP | Dec 2013 (13y) | |
| Shawn Richard Stone | Registered representative | Jan 2014 (13y) | ||
| Clifford Tungen Kwan | Registered representative | CFP | Oct 2014 (12y) | |
| Thomas Henderson Pace | Registered representative | Mar 2016 (10y) | ||
| Benjamin Stephen Newport | Registered representative | CFP | Mar 2016 (10y) | |
| Joel Edward Lenzini | Registered representative | May 2016 (10y) | ||
| Patric Lin Piantedosi | Registered representative | Jul 2016 (10y) | ||
| Karli Rae Bradley | Registered representative | CFP | Jul 2016 (10y) | |
| Daniel Jad Mcguire | Registered representative | CFP | Jul 2017 (9y) | |
| Paul Eric Leeman | Registered representative | Oct 2017 (9y) | ||
| John Anthony Broderick | Registered representative | May 2018 (8y) | ||
| John F Carty | Registered representative | Apr 2019 (7y) | ||
| Cody Dylan Dyer | Registered representative | Jun 2021 (5y) | ||
| Thomas Hunter Healy | Registered representative | Jun 2021 (5y) | ||
| Benjamin Joshua Dethlefs | Registered representative | May 2022 (4y) | ||
| Gwendolyn Mary Nale | Registered representative | Sep 2022 (4y) | ||
| Matthew Scott Klotsche | Registered representative | Dec 2022 (4y) | ||
| Donald James Clements | Registered representative | Mar 2023 (3y) | ||
| Michael Joseph Lutz | Registered representative | CFP | Mar 2023 (3y) | |
| Max Jaffe | Registered representative | Aug 2023 (3y) | ||
| Lesa Lynne Collins | Registered representative | Jan 2024 (3y) | ||
| Erik Alan Eklof | Registered representative | Jan 2024 (3y) | ||
| Jo Anna Dossman | Registered representative | Jun 2024 (2y) | ||
| Douglas Randal Williams | Registered representative | Aug 2024 (2y) | ||
| Mark Evan Clopton | Registered representative | Dec 2024 (2y) | ||
| Jacqelyn Brian | Registered representative | Jul 2025 (1y) | ||
| Trevor Ray Staubach | Registered representative | Nov 2025 (1y) | ||
| Nicholas Antonio Lopez | Registered representative | Dec 2025 (1y) | ||
| Mark Brandon Ward | Registered representative | Jan 2026 (1y) |
Entity owners (Schedule A/B)
| Entity | Title / status | Since | Sch. | Ownership |
|---|---|---|---|---|
| Moraif Family Exempt Irrevocable Trust | Shareholder | Dec 2023 | A | 75% or more |
| Retirement Planners Of America Employee Stock Ownership Trust | Shareholder | Dec 2023 | A | 10% – 25% |
| Argent Trust Company | Trustee Of Retirement Planners Of America Employee Stock Ownership Trust | Dec 2023 | A | Less than 5% |
| Argent Trust Company | Trustee | Dec 2023 | B | GP / trustee / elected manager of Retirement Planners Of America Employee Stock Ownership Trust (indirect) |
Undisclosed: 0% – 15% of the firm is not attributable from the filed Schedule A bands.
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 04/20/2026 | 998 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
Custody
Reported custodians
- SEI Private Trust $4.6B (99% of AUM) Jan 2023
- Pershing $3.5B (98% of AUM) Apr 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Apr 20, 2026.
View current Form ADV (SEC/IAPD) ↗