RCPlanners

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Client assets under management

$80,649,259

Clients

148

12% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Typical

Average account size

$544,927

About

RCPlanners provides financial planning and discretionary investment advisory services to individuals, trusts, estates, charitable organizations, corporations, and businesses, serving both non‑high‑net‑worth and high‑net‑worth clients. Offerings include stand‑alone comprehensive plans, ongoing planning engagements, project or hourly consulting, and discretionary portfolio management.

The firm combines fundamental and technical analysis with a client-specific investment policy statement and risk‑tolerance assessment to implement strategic or tactical asset allocations, typically using exchange‑listed securities, mutual funds, and ETFs while also recommending individual stocks and cash positions when appropriate. RCPlanners uses a proprietary Carefree Retirement Income Model to assess retirement risks and will, for accredited investors, consider less‑common vehicles such as interval funds, private real estate investment trusts, and Delaware Statutory Trust offerings; it takes an educational approach to employer plan rollovers.

Distinctive operational features include a formal separation of one‑time or hourly planning engagements from its ongoing investment supervisory services and the availability of project/hourly work as a persistent service option. The firm’s advisory personnel are licensed to sell insurance and disclose that insurance activities occupy a material portion of their time and may generate commissions, a potential conflict of interest that the firm discloses and addresses in its practices.

Client services

Financial planning Portfolio management

Expertise

Retirement income strategy Income planning General tax planning

Occupation focus

Founder/Business Owner Executive

Fee options

Fixed

Fixed fees for comprehensive financial planning services typically range from $1,000 to $10,000 depending on complexity; ongoing financial planning services charged as fixed monthly fees, typically $1,000 to $10,000 annually.

Project-based

Up to $500 per hour for financial planning consulting services, negotiated in advance.

Subscriptions

Ongoing financial planning services charged as fixed monthly fees, invoiced monthly in arrears.

Main office location

RCPlanners

Midlothian VA, United States

Number of offices

Most active in

Florida · Maryland · Michigan · New Jersey · Pennsylvania · Texas · Virginia

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Website 804-372-7337

Advisors at this firm

Michael B

Series 65

York, PA

RCPlanners

Michael Boyer is a financial advisor at RCPlanners with a Series 65 designation and two years of industry experience. He has worked at Retirement Capital Planners, LifePro Asset Management, Fast Credit Union, Ultimate Life Financial, and FocusVision. Boyer is licensed to sell insurance products and dedicates approximately half of his time to insurance-related activities. RCPlanners serves individuals, trusts, estates, charitable organizations, corporations, and other businesses, providing comprehensive financial planning, consulting, and discretionary investment management. The firm employs a mix of fundamental and technical analysis along with a proprietary retirement income model to tailor plans to clients’ risk tolerance and goals.

Retirement income strategy Income planning General tax planning Founder/Business Owner Executive

Joseph H

Series 66

Grand Rapids, MI

RCPlanners

Joseph Harmon is a financial advisor with RCPlanners in Grand Rapids, MI, holding a Series 66 license and 14 years of industry experience. He previously worked at Camelot Advisors LLC and Cambridge Investment Research Advisors, INC. Outside of his advisory role, Mr. Harmon is a bagpiper, dedicating time weekly to this activity. RCPlanners serves a diverse client base including individuals, trusts, estates, charitable organizations, and businesses. The firm provides comprehensive financial planning and discretionary investment management, utilizing a proprietary retirement income model that addresses multiple retirement risks to align with client goals.

Retirement income strategy Income planning General tax planning Founder/Business Owner Executive

Jeremy S

CFP®, Series 65

Midlothian, VA

RCPlanners

Jeremy Shipp is a CFP® professional with 12 years of industry experience, currently serving as an advisor at RCPlanners. His prior roles include positions at Moneytrax North America Inc., Retirewise University, and Harbor Wealth Advisors, among others. He is also licensed to sell insurance products and dedicates approximately 25% of his time to insurance-related activities. RCPlanners serves individuals, trusts, estates, charitable organizations, and businesses, offering comprehensive financial planning and discretionary investment management. The firm employs a proprietary retirement income model and combines fundamental and technical analysis to tailor strategies to client objectives.

Retirement income strategy Income planning General tax planning Founder/Business Owner Executive

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