Retire With Confidence. Enjoy Life Without Financial Uncertainty.

Fiduciary Financial Advisor in Annapolis, MD — Specializing in Retirement Income & Tax Planning

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RCS Financial planning

Your Local Fiduciary Financial Advisor in Annapolis, MD

If you’re retired or within a few years of retirement, you need more than investment advice. You need a financial advisor who understands how to turn savings into reliable income, manage taxes year-by-year, and help you protect your spouse and family. That’s what we specialize in here in Annapolis.

Our Services

Fee-Only Fiduciary:

No commissions, no product sales, no hidden agendas.

Retirement Income Specialists:

We help you build a plan you can actually live on.

Deep Tax Planning:

We look proactively tax planso you avoid unnecessary taxes in retirement.

The Three Concerns Every Retiree Shares — Even Those Who’ve Saved Well

Whether you have $1 million or several million saved, retirement brings three universal questions: Will my savings last? Am I paying more in taxes than I should? And is my spouse or family protected if something happens to me?

01

Will my savings actually last the rest of my life?

Market swings, inflation, and unexpected expenses can create uncertainty. A dynamic income plan gives you guardrails and clarity no matter what happens.

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02

Am I paying unnecessary taxes in retirement?

Most retirees unknowingly waste tens of thousands on avoidable taxes. Roth conversions, withdrawal sequencing, and IRMAA planning make a big difference.

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03

Will my spouse be financially secure if something happens to me?

Coordinating survivor income, Social Security, investments, and beneficiaries ensures your family is taken care of.

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The RCS Retirement System: Simple, Comprehensive, and Built for Real Life

Our planning process is built on three pillars that work together to give you clarity, confidence, and long-term financial security throughout retirement.

Turn your savings into a predictable and sustainable retirement paycheck. We build a guardrails-based income plan that adapts to markets, inflation, and life changes—so you always know what you can safely spend.

Reduce lifetime taxes with forward-looking strategies, not guesswork. We model your taxes year-by-year, plan Roth conversions, avoid IRMAA surprises, and help you keep more of what you’ve earned.

Investing aligned with your income plan—not with market noise. Your portfolio is designed to support your retirement paycheck with evidence-based strategies, smart risk control, and tax-efficient implementation.

Who We Serve

We specialize in helping retirees and those nearing retirement who want a clear income plan, a long-term tax strategy, and a trusted advisor who will guide them through every stage of retirement.

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Pre-Retirees (5 Years or less Out)

You’re thinking seriously about retirement and want to make smart decisions about Social Security, taxes, and when you can confidently stop working.

Already Retired

You need a reliable retirement paycheck, clarity on taxes, and guidance to avoid costly mistakes during retirement.

Single or Widowed Women

You want a trusted advisor who provides clarity, stability, and honest guidance — with a plan designed to protect your future and your family.

Young Professionals

Whether you’re navigating your first high-earning years, managing equity compensation, or planning for a home or family, our advisor, we help young professionals build smart financial habits and long-term confidence.

Frequently Asked Questions

We primarily serve retirees and those within 5–10 years of retirement who want a clear income plan, long-term tax strategy, and ongoing guidance. Most of our clients have $1 million or more in investable assets and prefer a long-term relationship with a financial advisor. Amanda Clouser, CFP®, CFA, works with younger professionals.

We are a fee-only fiduciary firm. We charge a transparent fee based on assets under management and do not earn commissions or sell financial products. For younger professionals, we may also charge an upfront and/or monthly planning fee. You always know exactly what you’re paying and what you receive in return.

Yes. Tax planning is one of the cornerstones of our work. We model your taxes year-by-year, plan Roth conversions, manage IRMAA, and help reduce your lifetime tax burden. However, we do not prepare and file taxes for clients, but will consult with CPAs for our planning strategies.

Both. Many clients meet with us via Zoom, but we also meet in person in Annapolis for those who prefer face-to-face conversations.

We’ll discuss your current situation, your goals, and what concerns you most about retirement. There’s no pressure and no sales pitch — just a chance to see if we’re the right fit for each other.

No. We focus on long-term planning relationships with clients who want ongoing guidance through all stages of retirement.