RCPlanners
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
RCPlanners provides financial planning and discretionary investment supervisory services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm offers comprehensive and ongoing planning that covers retirement, tax, estate, risk management, investment policy design, and behavioral coaching alongside portfolio management for individual and high-net-worth clients.
The firm combines fundamental and technical analysis with a strategic or tactical asset-allocation approach and a proprietary “Carefree Retirement Income Model” that segments assets by time horizon to address seven retirement risks (market, tax, healthcare, long‑term care, inflation, longevity, and premature death). Portfolios typically employ exchange‑listed securities, mutual funds and ETFs and, where suitable, may include interval funds, options overlays and defined‑outcome strategies; for accredited investors the firm may also recommend private real‑estate offerings such as private REITs and Delaware Statutory Trusts.
RCPlanners’ brochure discloses several arrangements and practices that distinguish it from peers, including a recent transition to SEC registration, revenue‑sharing payments from its investment platform for certain funds, and arrangements to serve as a promoter/solicitor for other advisors’ programs. The firm also notes relationships with third‑party insurance networking agencies and that some representatives are independently licensed to sell insurance (with the brochure indicating one spends about a quarter of their time and others about half on insurance activities), and it takes an educational—rather than prescriptive—approach to employer‑plan rollover decisions in accordance with DOL guidance.
Client services
Expertise
Fee options
Fixed fees for financial planning services ranging from $1,000 to $10,000 depending on complexity
Up to $500 per hour, negotiated in advance
Fixed fee for ongoing financial planning services, typically ranging from $1,000 to $10,000, payable monthly
Main office
See officeMidlothian VA
Advisors at this office
1
Offices (3)
Most active in
Florida · Maryland · Michigan · New Jersey · Pennsylvania · Texas · Virginia
Also doing business as
Rcplanners · Retirement Capital Planners, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Michael B
Series 65
Miami, FL
RCPlanners
Michael Boyer is a financial advisor at RCPlanners with three years of industry experience. He holds a Series 65 designation and has previously worked at firms including Ultimate Life Financial, LifePro Asset Management, and Fast Credit Union. Boyer is licensed to sell insurance products and dedicates approximately half of his time to insurance-related activities. RCPlanners provides financial planning and discretionary investment supervisory services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm employs a combination of fundamental and technical analysis, along with a proprietary retirement income model, to address a range of retirement risks and typically uses a mix of exchange-listed securities, mutual funds, ETFs, and other investment vehicles.
Joseph H
Series 66
Grand Rapids, MI
RCPlanners
Joseph Harmon is a financial advisor with RCPlanners in Grand Rapids, MI, holding a Series 66 designation and 15 years of industry experience. He previously worked at Camelot Advisors LLC d/b/a Harmon Wealth Management and Cambridge Investment Research Advisors, INC. Outside of advising, Harmon plays the bagpipes, dedicating about two hours per week to this activity. RCPlanners provides financial planning and discretionary investment supervisory services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm uses a combination of fundamental and technical analysis along with a proprietary retirement income model that addresses multiple retirement risks, employing a range of investment vehicles including securities, mutual funds, ETFs, and private real-estate offerings for accredited investors.
Jeremy S
CFP®, Series 65
Midlothian, VA
RCPlanners
Jeremy Shipp is a CFP® with 13 years of industry experience, currently serving at RCPlanners in Midlothian, VA. His work history includes roles at Moneytrax North America Inc., Retirewise University, First Advisors National, LLC, Harbor Wealth Advisors, LLC, and others. He is licensed to sell insurance products and dedicates approximately 25% of his time to insurance-related activities. RCPlanners provides financial planning and discretionary investment supervisory services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm uses a combination of fundamental and technical analysis alongside a proprietary retirement income model that addresses multiple retirement risks, offering tailored portfolio management for individual and high-net-worth clients.
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