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Financial Planning With Purpose

Helping You Build a More Secure Financial Future

About

Michael Boyer

Michael Boyer, RICP®
Investment Advisor

Michael Boyer takes an education-first approach to financial planning. He is driven to ensure his clients understand their choices when planning for a successful retirement. This approach provides his clients peace of mind – they know they’ve picked the best options based on their goals and objectives with sound knowledge of how different financial strategies work. Nothing is more rewarding than creating a successful plan that a client fully understands to eliminate their financial stress, worries, and fears.

A graduate of Pennsylvania State University with a degree in Computer Science, Michael started his career in Silicon Valley as a software engineer and eventually software project manager when he moved to Prague, Czech Republic. Upon returning to the States in 2005, he switched gears and opened a day spa business in Miami. In 2013, family took him to California where he started in the financial services industry. In 2015, he started his own independent financial firm before joining Retirement Capital Planners in 2024.

Today, Michael holds the Retirement Income Certified Professional (RICP®) designation. He is also a Master Mentor with MoneyTrax, a wealth planning organization that has been nationally recognized for its unique financial planning approach and advanced training.

Beyond financial planning, Michael enjoys time with his spouse, Ramiro, usually biking and playing pickleball. He currently resides in York, Pennsylvania where he moved in June of 2022 to care for his father.

Plan With Boyer

Meet The Team

Jeremy Shipp, CFP®, CLU®, RICP®, WMCP®, CEPA®

Founder of Retirement Capital Planners, Investment Advisor

Joe Harmon, RICP®

Investment
Advisor

Jennifer D’Avignon

Administrative Assistant,
Client Services Coordinator

Learn More About

Our Financial Solutions

Investment Consulting

Helping you make smart decisions about your money.

Key Highlights:

  • Comprehensive portfolio construction and management
  • Risk-aligned investment strategies based on goals and time horizon
  • Ongoing performance review and rebalancing
  • Coordination with tax-efficient investment vehicles
LEARN MORE ⤍

Wealth Enhancement

Strategies to minimize taxes and optimize cash flow.

Key Highlights:

  • Tax mitigation planning for income, capital gains, and estate taxes
  • Cash flow and liquidity analysis for major life goals
  • Integration with business and investment structures
  • Proactive coordination with CPAs and tax professionals
LEARN MORE ⤍

Wealth Transfer

Ensure your legacy lives on with intention and clarity.

Key Highlights:

  • Estate planning with multigenerational impact
  • Coordination with attorneys and trust specialists
  • Minimizing tax burdens on heirs
  • Structuring inheritances to reflect family values and goals
LEARN MORE ⤍

Wealth Protection

Safeguard what you’ve earned from the unexpected.

Key Highlights:

  • Risk audits to identify vulnerabilities
  • Asset protection strategies from litigation, divorce, and creditors
  • Insurance solutions aligned with your lifestyle and assets
LEARN MORE ⤍

Let's Get Started

At Plan With Boyer, we don’t just manage money. We empower your retirement.

Helping You Build a More Secure Financial Future

Charitable Giving

Turn your wealth into lasting impact.
Key Highlights:

  • Philanthropic strategy aligned with your values
  • Structuring gifts through donor-advised funds or private foundations
  • Tax-advantaged giving techniques
  • Legacy planning for multigenerational involvement
LEARN MORE ⤍

Investment Consulting

Helping you make smart decisions about your money.

Key Highlights:

  • Comprehensive portfolio construction and management
  • Risk-aligned investment strategies based on goals and time horizon
  • Ongoing performance review and rebalancing
  • Coordination with tax-efficient investment vehicles
LEARN MORE ⤍

Wealth Enhancement

Strategies to minimize taxes and optimize cash flow.

Key Highlights:

  • Tax mitigation planning for income, capital gains, and estate taxes
  • Cash flow and liquidity analysis for major life goals
  • Integration with business and investment structures
  • Proactive coordination with CPAs and tax professionals
LEARN MORE ⤍

Wealth Transfer

Ensure your legacy lives on with intention and clarity.

Key Highlights:

  • Estate planning with multigenerational impact
  • Coordination with attorneys and trust specialists
  • Minimizing tax burdens on heirs
  • Structuring inheritances to reflect family values and goals
LEARN MORE ⤍

Wealth Protection

Safeguard what you’ve earned from the unexpected.

Key Highlights:

  • Risk audits to identify vulnerabilities
  • Asset protection strategies from litigation, divorce, and creditors
  • Insurance solutions aligned with your lifestyle and assets
LEARN MORE ⤍

Charitable Giving

Turn your wealth into lasting impact.
Key Highlights:

  • Philanthropic strategy aligned with your values
  • Structuring gifts through donor-advised funds or private foundations
  • Tax-advantaged giving techniques
  • Legacy planning for multigenerational involvement
LEARN MORE ⤍

Let's Get Started

At Plan With Boyer, we don’t just manage money. We empower your retirement.

Helping You Build a More Secure Financial Future

Register For

our Educational Webinars

Our educational webinars are designed to empower you towards taking the first step of your financial journey. Register below to join us in finding the path to your optimal retirement.

UPCOMING WEBINARS

Events in December 2025–January 2026

  • January 15, 2026 (1 event)


    January 15, 2026

    What You'll Learn:

    • How tax-advantaged strategies can help minimize your tax burden and maximize your retirement income.
    • Top retirement risks and practical solutions to help mitigate them and grow your savings.
    • Tools that can provide Market growth potential and downside protection, subject to caps on gains.
    • How high-net-worth individuals pass on their estate and preserve more wealth for their heirs.

    REGISTER HERE 

Guide, Blog, and Videos

Financial Educational Literature

Our Guide

Tax Planning Guide
Your Roadmap To Reducing Taxes

Most retirees don’t realize how much in unnecessary taxes they could be paying—until it’s too late. This guide reveals how smart tax strategies may help you keep more of your retirement income and perhaps prevent taxation from affecting your financial foundation.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Browse Our Blog

Our Videos

Contact Michael Boyer

At Retirement Capital Planners, we, we believe strong financial planning is built on relationships. We take the time to understand your goals, concerns, and family dynamics—because financial planning isn’t just about numbers, it’s about life. Our team is committed to providing consistent, personalized guidance, ensuring you have a dedicated advisor who understands your long-term financial journey.

Office Location:

175 W Gay Ave Suite 11,
York, PA 17401

Our Email:

Click To Email

Our Phone:

(786) 218-1205

Schedule Your Complimentary Retirement Review

At Retirement Capital Planners, we don’t just manage money.
We empower your retirement.

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Privacy Policy | Terms of Use  | ADV 2A | Disclosure

OUR LOCATION

175 W Gay Ave Suite 11,
York, PA 17401

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

We don’t share or sell your personal information with any third party except to comply with the law, develop our products, or protect our rights.

Registration with the SEC or state does not constitute an endorsement of the firm by regulators, nor does it indicate that the adviser has attained a particular level of skill or ability. This content is for informational purposes only and does not intend to make an offer or solicitation for sale or purchase of any securities. Investing involves risk, including the potential loss of principal. No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. All investment strategies involve risk and have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially affect the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark.

Investment advisory and financial planning services offered through Retirement Capital Planners, LLC, a Registered Investment Advisor.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Schedule Your Complimentary Review

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Develop strategies to protect assets against the effects of inflation.

Ensure access to assets to meet life’s unexpected  needs.

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

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