RCPlanners

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.