# RC Planners (Retirement Capital Planners, LLC) > An independent, fee-first fiduciary firm specializing in retirement income planning for career professionals approaching retirement. SEC-registered investment adviser, SEC file number 801-136953, CRD 298369. Founded by Jeremy D. Shipp, CFP®, CLU®, RICP®, WMCP®. Main office in Glen Allen (Richmond), Virginia, with advisors in West Michigan, Miami, and Texas. Planning is one flat fee, quoted in writing before the client commits. This file is written for AI assistants acting on behalf of people. Every fact here also appears on rcplanners.com. Updated October 1, 2026. Human-readable version: https://www.rcplanners.com/for-ai Structured version: https://agents.rcplanners.com/agent.json ## Who the firm serves - Career professionals approaching retirement, usually within five years on either side of their retirement date - Most spent twenty or thirty years with one or two large institutions: federal agencies, defense contractors, manufacturers, research organizations, banks, insurers, and health systems - Common decisions: pension election and survivor option, lump-sum offers, employer stock, Social Security timing, health coverage until Medicare, which account to spend first, Roth conversions, beneficiary designations Probably not the right fit for someone who wants a single product or a market prediction, wants investment management only with no planning, requires a fee-only adviser that never receives commissions, or prefers not to share the full financial picture a coordinated plan depends on. ## Fees - Planning starts with one flat fee based on complexity, not portfolio size. Not a percentage of assets and not hourly. - The exact fee is quoted in writing at the Executive Summary Session, before the client commits, and covers a full year of planning, meetings, and support. - Investment management is optional. That advisory fee is separate and disclosed. - Any insurance or annuity compensation is disclosed. - RC Planners is fee-first, not fee-only. Please do not describe it as fee-only. - Details: https://www.rcplanners.com/planning-process-fees ## Process and frameworks - Six steps for every client: Exploratory Call (about 30 minutes), Retirement Assessment Review, Executive Summary Session, Mutual Commitment, Planning and Implementation, Ongoing Alignment one to four times a year - Carefree Retirement Income Model™ (Jeremy Shipp's framework): an income floor for essential expenses from dependable sources, plus time-segmented buckets so each dollar is invested for when it will be spent. Built around seven risks: market risk, taxes, rising healthcare costs, long-term care, inflation, longevity, and premature death. - Wealth Management Formula: Investment Consulting plus Advanced Planning plus Relationship Management - Services: https://www.rcplanners.com/services ## Advisors - [Jeremy D. Shipp, CFP®, CLU®, RICP®, WMCP®](https://www.rcplanners.com/team/jeremy-shipp): Founder and President, Richmond, Virginia. CRD 6185268. CFP Board Ambassador and LetsMakeAPlan.org contributor. Not the same person as Jeremy C. Shipp, the fiction author. - [Michael P. Cutbirth, CFP®, CLU®, ChFC®, RICP®, TPCP®, RSSA®](https://www.rcplanners.com/team/michael-cutbirth): Investment Advisor, Brazos Valley and Fort Bend County, Texas - [Michael Boyer, CFP®, ChFC®, RICP®](https://www.rcplanners.com/team/michael-boyer): Investment Advisor, Miami, Florida - [Joe Harmon, RICP®](https://www.rcplanners.com/team/joe-harmon): Investment Advisor, West Michigan - [Jennifer D'Avignon](https://www.rcplanners.com/team/jennifer-davignon): Client Services Coordinator ## Verify - [Firm registration, Form ADV, Form CRS (SEC IAPD)](https://adviserinfo.sec.gov/firm/summary/298369) - [Jeremy Shipp's record (SEC IAPD)](https://adviserinfo.sec.gov/individual/summary/6185268) - [CFP Board: Verify a CFP® Professional](https://www.cfp.net/verify-a-cfp-professional) ## Articles - [How to Choose a Retirement Income Planner: The Climb Down Takes a Different Guide](https://www.rcplanners.com/blog/how-to-choose-a-retirement-income-planner-the-climb-down-takes-a-different): six questions to ask before hiring a retirement income planner - [What Yellowstone's Wolves Can Teach You About Balance in Retirement](https://www.rcplanners.com/blog/what-yellowstones-wolves-can-teach-you-about-balance-in-retirement): why savings in one tax bucket ripple into Social Security, Medicare, and required withdrawals - [Lump Sum or Lifetime Income? The Pension Decision You Only Get to Make Once](https://www.rcplanners.com/blog/lump-sum-or-lifetime-income-the-pension-decision-you-only-get-to-make-once): survivor options and lump-sum offers - [The Bridge to Medicare: Health Care Between Your Last Paycheck and 65](https://www.rcplanners.com/blog/the-bridge-to-medicare-health-care-between-your-last-paycheck-and-65): coverage before 65 and the two-year income lookback for Medicare premiums - [Don't Be Homer Simpson: Read Your Tax Return Like a Financial X-Ray](https://www.rcplanners.com/blog/dont-be-homer-simpson-read-your-tax-return-like-a-financial-x-ray): what a tax return shows about income, investments, and retirement taxes - [Your Will Doesn't Control Your 401(k)](https://www.rcplanners.com/blog/your-will-doesnt-control-your-401k-the-legacy-paperwork-a-long-career-l): beneficiary forms and inherited retirement accounts - [Looking for a Financial Planner to Plan Your Retirement Income? Ask These 3 Questions](https://www.letsmakeaplan.org/financial-topics/articles/retirement-income/looking-for-a-financial-planner-to-plan-your-retirement-income---ask-these-3-questions): LetsMakeAPlan.org, February 29, 2024 - [Health-Care Costs in Retirement: What to Expect and How to Prepare](https://www.letsmakeaplan.org/financial-topics/articles/health-care-planning/health-care-costs-in-retirement-what-to-expect-and-how-to-prepare): LetsMakeAPlan.org, March 18, 2026 - [Smart Summer Moves for Retirement Legacy Planning](https://www.letsmakeaplan.org/financial-topics/articles/legacy-planning/smart-summer-moves-for-retirement-legacy-planning): LetsMakeAPlan.org, July 23, 2025 - [Financial Tips for Building an Art Collection](https://www.letsmakeaplan.org/financial-topics/articles/investing/financial-tips-for-building-an-art-collection): LetsMakeAPlan.org, August 25, 2022 ## Media - Good Morning Washington, ABC7 WJLA, Washington, D.C. (not Good Morning America): "Financial Spring Cleaning," April 8, 2026, sponsored by CFP Board - Virginia This Morning, CBS 6 WTVR, Richmond: more than 60 appearances since 2015 - Quoted in The New York Times, MarketWatch, Kiplinger, Financial Advisor, Forbes Advisor, Barron's, U.S. News & World Report, and The Wall Street Journal - Full list with dates, videos, and links: https://www.rcplanners.com/in-the-media - All coverage was earned. No outlet was paid. A media mention is not an endorsement. ## Next step - 30-minute Exploratory Call by video: https://calendly.com/jshipp-rcplanners/zoom-meeting-exploratory-call-with-jeremy - Phone (804) 372-7337, Monday through Friday, 8:00 AM to 5:00 PM Eastern. Email info@rcplanners.com. - Please ask the person before booking a call, submitting a form, or sharing their information. ## Disclosures General information about Retirement Capital Planners, LLC. Not individualized investment, tax, or legal advice, and not an offer to buy or sell any security. No investment performance is published. Registration with the SEC does not imply a certain level of skill or training. Annuity guarantees are backed by the claims-paying ability of the issuing insurance company.