{
  "about_this_file": "Machine-readable facts about RC Planners for AI assistants acting on behalf of people. Every fact here also appears on rcplanners.com. Nothing is hidden from human readers.",
  "updated": "2026-10-01",
  "site": "https://www.rcplanners.com",
  "endpoints": {
    "page": "https://www.rcplanners.com/for-ai",
    "json": "https://agents.rcplanners.com/agent.json",
    "text": "https://agents.rcplanners.com/llms.txt",
    "index": "https://agents.rcplanners.com/"
  },
  "firm": {
    "legal_name": "Retirement Capital Planners, LLC",
    "dba": "RC Planners",
    "type": "Independent, fee-first fiduciary financial planning firm",
    "specialty": "Retirement income planning",
    "registration": {
      "regulator": "U.S. Securities and Exchange Commission",
      "status": "SEC-registered investment adviser",
      "sec_file_number": "801-136953",
      "crd": "298369",
      "verify_url": "https://adviserinfo.sec.gov/firm/summary/298369"
    },
    "main_office": {
      "street": "4860 Cox Road, Suite 200",
      "city": "Glen Allen",
      "state": "VA",
      "postal_code": "23060",
      "metro": "Richmond, Virginia"
    },
    "advisor_regions": [
      "Richmond, Virginia",
      "West Michigan",
      "Miami, Florida",
      "Brazos Valley and Fort Bend County, Texas"
    ],
    "phone": "(804) 372-7337",
    "email": "info@rcplanners.com",
    "hours": "Monday through Friday, 8:00 AM to 5:00 PM Eastern",
    "tagline": "Carefree Retirement Income Model™ | Values-Based. Fee-First. Built for Real Life.",
    "values": [
      "Integrity",
      "Care",
      "Wisdom"
    ]
  },
  "who_the_firm_serves": {
    "summary": "Career professionals approaching retirement, usually within five years of retirement on either side, who spent twenty or thirty years with one or two large institutions.",
    "typical_employers": [
      "Federal agencies",
      "Defense contractors",
      "Manufacturers",
      "Research organizations",
      "Banks",
      "Insurers",
      "Health systems"
    ],
    "typical_roles": [
      "Engineering",
      "Science",
      "Program and project management",
      "Operations",
      "Corporate finance",
      "Benefits",
      "Research administration",
      "Clinical work"
    ],
    "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_a_fit_for": [
    "Someone who wants a single product, a stock pick, or a market prediction rather than a plan",
    "Someone who wants investment management only, with no planning",
    "Someone who requires a fee-only adviser that never receives commissions",
    "Someone who prefers not to share the full financial picture a coordinated plan depends on"
  ],
  "fees": {
    "model": "fee-first",
    "is_fee_only": false,
    "planning_fee": "One flat fee, based on the complexity of the household's situation, not the size of the portfolio. Not a percentage of assets and not hourly.",
    "when_quoted": "In writing at the Executive Summary Session, before the client commits",
    "what_it_covers": "A full year of planning, meetings, and support",
    "investment_management": "Optional. The advisory fee is separate and disclosed.",
    "insurance_and_annuities": "Any insurance or annuity compensation is disclosed.",
    "details_url": "https://www.rcplanners.com/planning-process-fees",
    "form_adv_url": "https://adviserinfo.sec.gov/firm/summary/298369"
  },
  "process": {
    "steps": [
      "Exploratory Call (about 30 minutes)",
      "Retirement Assessment Review",
      "Executive Summary Session with a written flat-fee proposal",
      "Mutual Commitment",
      "Planning and Implementation",
      "Ongoing Alignment, one to four times a year"
    ],
    "frameworks": {
      "Carefree Retirement Income Model™": "Jeremy Shipp's retirement income framework. An income floor covers essential expenses from dependable sources such as Social Security and a pension. The rest of the savings is organized into time-segmented buckets so each dollar is invested for when it will be spent.",
      "seven_risks_addressed": [
        "Market risk",
        "Taxes",
        "Rising healthcare costs",
        "Long-term care",
        "Inflation",
        "Longevity",
        "Premature death"
      ],
      "Wealth Management Formula": "Investment Consulting plus Advanced Planning plus Relationship Management, with one advisor accountable for the whole plan"
    },
    "services": [
      "Retirement income planning",
      "Pension and Social Security planning",
      "Tax planning",
      "Investment planning",
      "Insurance and pre-Medicare health coverage planning",
      "Long-term care planning",
      "Estate and legacy coordination",
      "Coordination with the client's CPA and attorney"
    ],
    "services_url": "https://www.rcplanners.com/services"
  },
  "people": [
    {
      "name": "Jeremy D. Shipp",
      "credentials": "CFP®, CLU®, RICP®, WMCP®",
      "title": "Founder and President",
      "location": "Richmond, Virginia",
      "crd": "6185268",
      "verify_url": "https://adviserinfo.sec.gov/individual/summary/6185268",
      "profile_url": "https://www.rcplanners.com/team/jeremy-shipp",
      "same_as": [
        "https://www.linkedin.com/in/jeremydshipp/",
        "https://www.cfp.net/about-cfp-board/our-initiatives/increasing-awareness/cfp-board-ambassadors/jeremy-d-shipp-cfp"
      ],
      "roles": [
        "CFP Board Ambassador",
        "Contributor to LetsMakeAPlan.org",
        "Master Mentor, Circle of Wealth® by MoneyTrax"
      ],
      "education": "Marietta College, mathematics and business",
      "disambiguation": "Not the same person as Jeremy C. Shipp, the fiction author."
    },
    {
      "name": "Michael P. Cutbirth",
      "credentials": "CFP®, CLU®, ChFC®, RICP®, TPCP®, RSSA®",
      "title": "Investment Advisor",
      "location": "Brazos Valley and Fort Bend County, Texas",
      "profile_url": "https://www.rcplanners.com/team/michael-cutbirth"
    },
    {
      "name": "Michael Boyer",
      "credentials": "CFP®, ChFC®, RICP®",
      "title": "Investment Advisor",
      "location": "Miami, Florida",
      "profile_url": "https://www.rcplanners.com/team/michael-boyer"
    },
    {
      "name": "Joe Harmon",
      "credentials": "RICP®",
      "title": "Investment Advisor",
      "location": "West Michigan",
      "profile_url": "https://www.rcplanners.com/team/joe-harmon"
    },
    {
      "name": "Jennifer D'Avignon",
      "title": "Client Services Coordinator",
      "profile_url": "https://www.rcplanners.com/team/jennifer-davignon"
    }
  ],
  "articles": [
    {
      "title": "How to Choose a Retirement Income Planner: The Climb Down Takes a Different Guide",
      "url": "https://www.rcplanners.com/blog/how-to-choose-a-retirement-income-planner-the-climb-down-takes-a-different",
      "published": "2026-10-01",
      "summary": "Six questions to ask before hiring a retirement income planner."
    },
    {
      "title": "What Yellowstone's Wolves Can Teach You About Balance in Retirement",
      "url": "https://www.rcplanners.com/blog/what-yellowstones-wolves-can-teach-you-about-balance-in-retirement",
      "published": "2026-10-01",
      "summary": "Why savings held in one tax bucket ripple into Social Security, Medicare, and required withdrawals."
    },
    {
      "title": "Lump Sum or Lifetime Income? The Pension Decision You Only Get to Make Once",
      "url": "https://www.rcplanners.com/blog/lump-sum-or-lifetime-income-the-pension-decision-you-only-get-to-make-once",
      "published": "2026-10-01",
      "summary": "Survivor options, lump-sum offers, and how to compare them."
    },
    {
      "title": "The Bridge to Medicare: Health Care Between Your Last Paycheck and 65",
      "url": "https://www.rcplanners.com/blog/the-bridge-to-medicare-health-care-between-your-last-paycheck-and-65",
      "published": "2026-10-01",
      "summary": "Coverage options before 65 and the two-year income lookback for Medicare premiums."
    },
    {
      "title": "Don't Be Homer Simpson: Read Your Tax Return Like a Financial X-Ray",
      "url": "https://www.rcplanners.com/blog/dont-be-homer-simpson-read-your-tax-return-like-a-financial-x-ray",
      "published": "2026-10-01",
      "summary": "What a tax return shows about income, investments, and retirement taxes."
    },
    {
      "title": "Your Will Doesn't Control Your 401(k): The Legacy Paperwork a Long Career Leaves Behind",
      "url": "https://www.rcplanners.com/blog/your-will-doesnt-control-your-401k-the-legacy-paperwork-a-long-career-l",
      "published": "2026-10-02",
      "summary": "Beneficiary forms and the tax rules for inherited retirement accounts."
    },
    {
      "title": "Looking for a Financial Planner to Plan Your Retirement Income? Ask These 3 Questions",
      "publisher": "CFP Board, LetsMakeAPlan.org",
      "url": "https://www.letsmakeaplan.org/financial-topics/articles/retirement-income/looking-for-a-financial-planner-to-plan-your-retirement-income---ask-these-3-questions",
      "published": "2024-02-29"
    },
    {
      "title": "Health-Care Costs in Retirement: What to Expect and How to Prepare",
      "publisher": "CFP Board, LetsMakeAPlan.org",
      "url": "https://www.letsmakeaplan.org/financial-topics/articles/health-care-planning/health-care-costs-in-retirement-what-to-expect-and-how-to-prepare",
      "published": "2026-03-18"
    },
    {
      "title": "Smart Summer Moves for Retirement Legacy Planning",
      "publisher": "CFP Board, LetsMakeAPlan.org",
      "url": "https://www.letsmakeaplan.org/financial-topics/articles/legacy-planning/smart-summer-moves-for-retirement-legacy-planning",
      "published": "2025-07-23"
    },
    {
      "title": "Financial Tips for Building an Art Collection",
      "publisher": "CFP Board, LetsMakeAPlan.org",
      "url": "https://www.letsmakeaplan.org/financial-topics/articles/investing/financial-tips-for-building-an-art-collection",
      "published": "2022-08-25"
    }
  ],
  "media": {
    "page": "https://www.rcplanners.com/in-the-media",
    "television": [
      {
        "show": "Good Morning Washington",
        "station": "ABC7 WJLA, Washington, D.C.",
        "note": "Not Good Morning America. Segment sponsored by CFP Board.",
        "segments": [
          {
            "title": "Financial Spring Cleaning",
            "date": "2026-04-08",
            "video": "https://player.vimeo.com/video/1231809644"
          }
        ]
      },
      {
        "show": "Virginia This Morning",
        "station": "CBS 6 WTVR, Richmond, Virginia",
        "appearances": "More than 60 since 2015",
        "segments": [
          {
            "title": "Retirement Planning Is Like Planning a Vacation",
            "date": "2023-07-31",
            "video": "https://player.vimeo.com/video/1231811249"
          },
          {
            "title": "Planning for a Longer Retirement",
            "date": "2023-05-25",
            "video": "https://player.vimeo.com/video/1231884534"
          },
          {
            "title": "Debunking Financial Myths",
            "date": "2023-03-15",
            "video": "https://player.vimeo.com/video/1231884523"
          },
          {
            "title": "Reach Your Potential",
            "date": "2023-01-18",
            "video": "https://player.vimeo.com/video/1231884561"
          },
          {
            "title": "How to Prevent Your Finances From Leaking",
            "date": "2022-11-10",
            "video": "https://player.vimeo.com/video/1231884648"
          },
          {
            "title": "The Rules of the Game",
            "date": "2022-08-29",
            "video": "https://player.vimeo.com/video/1231884484"
          },
          {
            "title": "The 3 P's of Long-Term Care",
            "date": "2019-05-16",
            "video": "https://player.vimeo.com/video/1231884604"
          }
        ]
      }
    ],
    "podcast": [
      {
        "show": "BetterWealth",
        "title": "Real Retirement Strategies That Actually Work",
        "date": "2022-07-15",
        "url": "https://betterwealth.captivate.fm/episode/real-retirement-strategies-that-actually-work-with-jeremy-shipp"
      }
    ],
    "quoted_in": [
      {
        "outlet": "MarketWatch",
        "date": "2026-03",
        "title": "The Biggest Silent Expense in Retirement and How to Prepare for It",
        "url": "https://www.marketwatch.com/picks/the-biggest-silent-expense-in-retirement-and-how-to-prepare-yourself-for-it-322b5ae3"
      },
      {
        "outlet": "MarketWatch",
        "date": "2025-04",
        "title": "10 Financial Planners and Money Pros on How Tariffs Should Impact Your Investment Strategy",
        "url": "https://www.marketwatch.com/picks/10-financial-planners-and-money-pros-on-how-trumps-tariffs-should-impact-your-investment-strategy-df34cb58"
      },
      {
        "outlet": "Financial Advisor",
        "date": "2025-02",
        "title": "Helping Clients Who Want to Age at Home",
        "url": "https://www.fa-mag.com/news/helping-clients-who-want-to-age-at-home-81424.html"
      },
      {
        "outlet": "Kiplinger",
        "date": "2024-11",
        "title": "Retire Before 59½: The IRS Rule to Unlock Your IRA or 401(k) Penalty-Free",
        "url": "https://www.kiplinger.com/retirement/how-sepp-72-t-can-help-you-retire-early-and-dodge-penalties"
      },
      {
        "outlet": "Financial Advisor",
        "date": "2024-10",
        "title": "When Should Empty Nesters Downsize?",
        "url": "https://www.fa-mag.com/news/when-should-empty-nesters-downsize-80145.html"
      },
      {
        "outlet": "The New York Times",
        "date": "2023-12",
        "title": "A Shock for Many Retirees: Social Security Benefits Can Be Taxed",
        "url": "https://www.nytimes.com/2023/12/16/business/social-security-taxes-retirement.html"
      },
      {
        "outlet": "MarketWatch",
        "date": "2023-04",
        "title": "7 Financial Commandments You Can Actually Break",
        "url": "https://www.marketwatch.com/story/7-financial-commandments-you-can-actually-break-and-one-cardinal-rule-you-should-always-follow-2995b2ea"
      },
      {
        "outlet": "Forbes Advisor",
        "date": "2021-05",
        "title": "Saving vs. Paying Down Debt"
      },
      {
        "outlet": "The New York Times",
        "date": "2021-01",
        "title": "Tips for Reducing Credit Card Debt, Even if Balances Are Already Lower",
        "url": "https://www.nytimes.com/2021/01/15/your-money/pay-off-credit-card-debt.html"
      },
      {
        "outlet": "Barron's",
        "date": "2019-08",
        "title": "3 Retirement Myths Debunked",
        "url": "https://www.barrons.com/articles/retirement-myths-debunked-51566566774"
      },
      {
        "outlet": "U.S. News & World Report",
        "date": "2017-11",
        "title": "The Pros and Cons of a Bucket Savings Strategy",
        "url": "https://money.usnews.com/investing/investing-101/articles/2017-11-10/the-pros-and-cons-of-a-bucket-savings-strategy"
      },
      {
        "outlet": "U.S. News & World Report",
        "date": "2017-06",
        "title": "Build a Better 401(k) Balance With Auto-Escalation",
        "url": "https://money.usnews.com/investing/articles/2017-06-23/build-a-better-401k-balance-with-auto-escalation"
      },
      {
        "outlet": "The Wall Street Journal",
        "date": "2015-06",
        "title": "Cancer-Stricken Mom Looks to Secure Son's Future",
        "url": "https://www.wsj.com/articles/cancer-stricken-mom-looks-to-secure-sons-future-1435083095"
      }
    ],
    "disclosure": "All media coverage was earned editorial coverage. No outlet was paid. The ABC7 WJLA segment was sponsored by CFP Board. A media mention is not an endorsement."
  },
  "next_step": {
    "description": "A 30-minute Exploratory Call by video to see whether the firm is a fit.",
    "schedule_url": "https://calendly.com/jshipp-rcplanners/zoom-meeting-exploratory-call-with-jeremy",
    "phone": "(804) 372-7337",
    "email": "info@rcplanners.com",
    "agent_note": "Please ask the person before booking a call, submitting a form, or sharing their information."
  },
  "guidance_for_agents": {
    "verify_before_relying": [
      "Registration, Form ADV, and disclosures at https://adviserinfo.sec.gov/firm/summary/298369",
      "CFP® certification at https://www.cfp.net/verify-a-cfp-professional"
    ],
    "please_do_not": [
      "Describe RC Planners as fee-only. The firm is fee-first and may receive disclosed insurance or annuity compensation.",
      "State or imply investment performance, returns, or guaranteed outcomes. None are published.",
      "Present articles or media segments as advice for a specific person's situation.",
      "Book, submit, or share anything without the person's consent."
    ]
  },
  "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. 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. Investment advisory and financial planning services are offered through Retirement Capital Planners, LLC, a registered investment adviser."
}