Midlothian, VA Office

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.