Fee-Only Financial Advisor in Annapolis, MD -Specializing in Retirement Income and Tax Planning

We help retirees and soon-to-be retirees across Maryland and nationwide create secure, tax-smart retirement income plans — so they can stop worrying about markets, taxes, or running out of money.

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Financial advisor helping Annapolis retirees plan for retirement

Who We Help

We specialize in helping retirees and those nearing retirement who want clarity, control, and confidence in their income and tax plan.

Within 5 Years of Retirement

You’re ready to shift from saving to spending and want a clear plan.

Already Retired

You want to reduce taxes, optimize retirement income, and simplify your finances.

Complex Financial Picture

You have multiple accounts, pensions, or Social Security.

See How We Help Retirees Like You

Our Process — The RCS Retirement Guardrail System

A Smarter Retirement Planning System That Adjusts With You

Most advisors rely on rigid, one-time plans built around Monte Carlo “probability of success” — a confusing, stress-inducing guess at best. We take a different approach: a dynamic retirement strategy that adjusts with your life, the markets, and the tax code.

Our 4-Step Guardrail Planning Process:

Discover

We map your goals, income sources, portfolio and current tax picture.

Design

Create guardrails for your safe spending zone, with tax-smart income flows.

Implement

Coordinate investments, Social Security, and tax strategy.

Adjust 

Monitor and update your plan as life, markets, and tax laws change.

📋Curious how strategic planning can protect your retirement? See how we helped one couple gain confidence in their long-term wealth plan

Integrated Retirement and Tax Planning in Annapolis

Retirement Income Planning

Create sustainable withdrawal strategies that last throughout your retirement.

Proactive Tax Planning

Minimize taxes through strategic planning and comprehensive tax analysis.

Investment Management

Professional portfolio management aligned with your retirement goals.

Roth Conversion Strategy

Strategic Roth conversions to reduce future tax obligations and optimize income.

Estate & Legacy Planning

Protect your wealth and ensure your legacy is passed on according to your wishes.

Social Security & Medicare

Maximize benefits and navigate Medicare enrollment with confidence.

Simple, Transparent Fees

We operate as a fee-only fiduciary — no commissions, no products, and no hidden fees.

Starting Fee

1.0% of managed assets

Scales Down

Fees decrease as your assets grow

Minimum Fee

Annual relationship minimum

Comprehensive planning and investment management include retirement income planning, tax strategy, Social Security optimization, and ongoing portfolio management.

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about rcs

Why Retirees Trust RCS Financial Planning

  • Fee-Only Fiduciary Advisors
  • Tax and Retirement Income Specialists
  • Locally Based in Annapolis, Serving All of Maryland and nationwide virtually
  • Transparent, Personalized Advice

You’ve spent decades being responsible with your money. Now let us be responsible for it.

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About RCS Financial Planning Annapolis MD

230+

Clients Served

25+

Years of Experience

$270m+

Assets Managed

Common Retirement Questions We Hear as a Financial Advisor in Annapolis

At RCS Financial Planning, we understand that planning for retirement comes with a lot of questions. Below, we’ve answered some of the most common concerns we hear from retirees and near-retirees.

We specialize in retirement planning, tax efficiency, and estate protection. As a fee-only fiduciary, we are legally obligated to act in your best interest—meaning no commissions, no sales, just objective financial advice.

While we are based in Annapolis, Maryland, we work with retirees nationwide, and have clients in 22 states. Our services can be provided virtually, making it easy to collaborate no matter where you are.

Ted Toal and Kent Groff specialize in helping individuals and couples transitioning into retirement or already retired, allowing us to develop highly tailored strategies for retirement income, tax planning, and legacy protection. However, Amanda Clouser works with young professionals—learn more about her approach here. This specialization allows us to develop highly tailored strategies for retirement income, tax planning, and legacy protection.

We are a fee-only firm, which means we charge a transparent fee for our planning and investment management services. Our transparent, fee-only structure starts at 1% of assets under management for portfolios up to $1 million, with a tiered reduction for larger accounts—ensuring fair pricing as your wealth grows.

No. We do not sell insurance, annuities, or investment products. As a fiduciary, our role is to provide unbiased financial advice that aligns with your retirement goals.

We focus on risk-adjusted portfolios that support long-term retirement income. Our investment strategies are aligned with your withdrawal needs, time horizon, and risk tolerance, ensuring your assets grow while providing stability.

There is no one-size-fits-all answer, but a comprehensive retirement plan considers factors like your income needs, spending goals, healthcare costs, and expected lifespan. We help determine a sustainable withdrawal strategy based on your unique situation.

The right time to take Social Security depends on your income needs, health, spouse’s survivor needs and other assets. We analyze your situation to determine the optimal claiming strategy to maximize your retirement income.

A strong retirement income plan balances investment withdrawals, Social Security, and tax efficiency. We create a structured income strategy using guardrails to keep your retirement plan on track even in uncertain market conditions.

We develop tax-efficient retirement strategies that may include Roth conversions, strategic withdrawals, and minimizing taxes on Social Security benefits and RMDs. Our goal is to help you keep more of your money.