RPOA Advisors provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 5,700 clients last fiscal year.
RPOA Advisors reports 5,657 clients. They include 4,509 individual clients, 1,116 high-net-worth individuals, and 32 corporations and other businesses. Of its assets, 99.1% ($3.56B across 13,278 accounts) are managed with discretion; $30.6M across 80 accounts are not. A wrap fee program the firm both sponsors and manages holds $3.65B.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 80% | 43% |
| High-net-worth individuals | 20% | 55% |
| Corporations and other businesses | <1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 4,509 | $1.56B | 43.5% | $346K |
| High-net-worth individuals | 1,116 | $1.99B | 55.5% | $1.78M |
| Corporations and other businesses | 32 | $38M | 1.1% | $1.19M |
| Total | 5,657 | $3.59B | 100% | $634K |
- Clients
- 4,509
- Regulatory AUM
- $1.56B
- AUM share
- 43.5%
- Avg. per client
- $346K
- Clients
- 1,116
- Regulatory AUM
- $1.99B
- AUM share
- 55.5%
- Avg. per client
- $1.78M
- Clients
- 32
- Regulatory AUM
- $38M
- AUM share
- 1.1%
- Avg. per client
- $1.19M
Total
- Clients
- 5,657
- Regulatory AUM
- $3.59B
- AUM share
- 100%
- Avg. per client
- $634K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 5700
RPOA Advisors is paid through a percentage of assets under management. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Flat advisory fee
- A flat annual fee generally equal to 1.30% of assets under management, including cash and cash equivalents.
- RPOA Direct
- A flat annual fee of 1.85% for clients who custody at Pershing with household assets of $250,000 or less; billed quarterly in advance.
- Variable annuity, Pontera and Fidelity 401(k) accounts
- A flat negotiable fee, not to exceed 1.25%, applies to these accounts even when valued under $250,000.
Moraif Family Exempt Irrevocable Trust owns 75% or more of RPOA Advisors. Kenneth Moraif is CEO; the leadership team includes Chief Investment Officer Jordan Roach, Chief Operating Officer Julia Stuart and Chief Financial Officer Christopher Winkler. It has 126 employees, 26 of them in advisory roles.
Leadership
- Kenneth MoraifPresident and Chief Executive Officer
- Christopher WinklerChief Financial Officer
- Julia StuartChief Operating Officer
- William FryeChief Compliance Officer
- Stephen LubyChief Revenue Officer
- Kenneth MoraifTrustee of Moraif Family Exempt Irrevocable Trust
- Jordan RoachChief Investment Officer
Investment adviser representatives
33 representatives listed in the SEC register as of 9 October 2026.
- Karli Rae Bradley
- Jacqelyn Brian
- John Anthony Broderick
- John F Carty
- Natalie Lynn Chandler
- Mark Evan Clopton
- Lesa Lynne Collins
- Benjamin Joshua Dethlefs
- JoAnna Dossman
- Charles Douglas Dyer JR
- Cody Dylan Dyer
- Erik Alan Eklof
- Thomas Hunter Healy
- Max Jaffe
- Matthew Scott Klotsche
- Clifford Tungen Kwan
- Paul Eric Leeman
- Joel Edward Lenzini
- Nicholas Antonio Lopez
- Stephen Brassil Luby
- Michael Joseph Lutz
- Patsy Ralph Mandola
- Daniel Jad McGuire
- Kenneth Alfred Moraif
- Gwendolyn Mary Nale
- Benjamin Stephen Newport
- Thomas Henderson Pace
- Patric Lin Piantedosi
- Jordan Michael Roach
- Trevor Ray Staubach
- Shawn Richard Stone
- Robert Tunnell
- Douglas Randal Williams
Staff
- 126 employees
- 26 in advisory functions
- 26 state-registered reps
- 26 insurance agents
- 2 soliciting firms
- Owns 75% or more of Rpoa Advisors, Inc.
Moraif Family Exempt Irrevocable Trust
Control person · since December 2023
Kenneth Moraif
Trustee · Control person · since December 2023
- Owns 10% to 25% of Rpoa Advisors, Inc.
Retirement Planners of America Employee Stock Ownership Trust
since December 2023
Argent Trust Company
Trustee · since December 2023
RPOA Advisors’ regulatory assets fell from $4.5B (July 2021) to $3.59B (September 2026); clients fell from 8,678 to 5,657 and employees rose from 100 to 126.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $3.59B | 5,657 | 126 | 12 |
| July 2025 | $3.98B | 6,827 | 126 | 13 |
| June 2024 | $3.56B | 7,619 | 122 | 15 |
| June 2023 | $3.43B | 7,216 | 115 | 18 |
| March 2022 | $4.71B | 8,092 | 100 | 17 |
| July 2021 | $4.5B | 8,678 | 100 | 18 |
Besides its headquarters, RPOA Advisors has 11 offices (1 private residence, listed without an address), with 11 listed addresses across 4 states.
Texas · 6 listed addresses
- 2820 Dallas Parkway, PlanoHQ
- 6201 Dallas Parkway, Plano
- 10900-A Stonelake Boulevard, Austin
- 757 North Eldridge Parkway, Houston
- 2001 Timberloch PL, The Woodlands
- 1300 Summit Avenue, Fort Worth
California · 3 listed addresses
- 1055 East Colorado BLVD., Pasadena
- 841 Apollo Street, El Segundo
- 18500 Von Karman Ave, Irvine
Arizona · 1 listed address
- 2141 East Broadway Road, Tempe
Oklahoma · 1 listed address
- 3030 Northwest Expressway, Oklahoma City
Contact and registration details
- Legal name
- Rpoa Advisors, Inc.
- Headquarters
- 2820 Dallas Parkway, Plano, TX 75093
- Website
- rpoa.com
- Phone
- 469-246-3600
- @rpoa
- SEC file
- 801-72262
- Structure
- Texas corporation
- Fiscal year end
- December
RPOA Advisors uses Pershing ($3.51B) as custodian for its separately managed accounts. RPOA Advisors does not have custody of client assets.
- PershingPershing LLC · Jersey City, NJ · $3.51B100%
At year end, RPOA Advisors’ separately managed accounts were mostly in funds (98%). Its reported 13F holdings for the quarter ended 30 June 2026 total $3.51B across 7 positions; the largest are Bny Mellon ETF Trust (44.7%), Bny Mellon ETF Trust (24.8%) and Bny Mellon ETF Trust (12.2%).
What the accounts hold
- Funds98%
- Cash2%
Reported 13F holdings
- $3.51B
- Reported 13F value
- 7
- Positions
- 100.0%
- In the 10 largest
- +53.6%
- Value vs. prior quarter
- Bny Mellon ETF Trust · US Lrg CP Core44.7%
- Bny Mellon ETF Trust · Core Bond ETF24.8%
- Bny Mellon ETF Trust · US Mdcp Core EQT12.2%
- Bny Mellon ETF Trust · Internationl EQT9.3%
- Bny Mellon ETF Trust · Ultra Short Incm9.0%
- Microsoft Corp.0.0%
- Bny Mellon ETF Trust · High Yield ETF0.0%
Together, the ten largest are 100.0% of reported value.
How many clients does RPOA Advisors have?
RPOA Advisors has 5,657 clients and manages $3.59 billion for them, as of September 2026. They include 4,509 individual clients, 1,116 high-net-worth individuals, and 32 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 September 2026
What services does RPOA Advisors offer?
RPOA Advisors provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does RPOA Advisors use?
RPOA Advisors’ separately managed account assets are held at Pershing LLC (Jersey City, NJ), with $3.51B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 September 2026
How many financial advisors does RPOA Advisors have?
RPOA Advisors has 26 investment adviser representatives registered with state securities authorities, out of 126 employees, and 26 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 26 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does RPOA Advisors invest in?
At the end of its last fiscal year, RPOA Advisors’ separately managed accounts held 98% registered funds (mutual funds, ETFs, BDCs) and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns RPOA Advisors?
RPOA Advisors’ direct owners are Retirement Planners of America Employee Stock Ownership Trust (10% to 25%) and Moraif Family Exempt Irrevocable Trust (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 24 September 2026
How does RPOA Advisors get paid?
RPOA Advisors is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is RPOA Advisors registered with the SEC?
Yes, RPOA Advisors has been registered with the SEC as an investment adviser since 4 April 2011. Its CRD number is 157222 and its SEC file number is 801-72262.
Source: Form ADV Part 1A, Item 1, filed 24 September 2026; IAPD firm record
How do I contact RPOA Advisors?
RPOA Advisors’ main office is at 2820 Dallas Parkway, Plano, TX 75093. Its phone number is 469-246-3600. Its website is rpoa.com.