You’ve Worked Hard to Build Your Wealth. Let Someone You Trust Protect It.
For hardworking Maryland professionals who’ve earned their financial security—and are ready to delegate retirement planning to a financial advisor they trust so they can finally enjoy the life they’ve been working toward.
You’ve Done Everything Right. You Deserve a Plan That Actually Works in the Real World.
You maxed out your 401k for decades. You bought the house in the good school district. You saved when others spent. You made the smart, sometimes boring choices that got you here.
Now you have real wealth—the kind you built one paycheck, one smart decision at a time. But here’s what the financial industry won’t tell you: you’re not going to run out of money. The evidence is clear on this.
The real question is simpler: how do you spend confidently while staying flexible for life’s changes?
You didn’t work this hard to spend retirement hunched over spreadsheets or paralyzed by “what if” scenarios that probably won’t happen.
You’re Not Looking for Get-Rich-Quick. You’re Looking for Keep-What-You’ve-Got.
Our clients aren’t flashy CEOs or trust fund recipients. They’re the people who did it the right way:
They’re the ones who:
- Spent 30+ years building their wealth while their neighbors financed lifestyles on credit
- Have substantial retirement accounts but still check grocery store prices out of habit
- Want to travel and enjoy retirement, but need to know the money will actually last
- Built wealth through discipline, not luck—and want it managed the same way
You’ve earned the right to delegate this to someone who gets how hard you worked for every dollar.
How We Serve You:
Your Financial Life Managed With the Same Care You Built It With
Responsible families choose RCS because we:
- Handle Complexity With Evidence-Based Planning
Our Retirement GPS system coordinates your accounts into practical, dynamic spending plans—automatically adjusting only when life or market changes truly require it. Because you don’t need alerts every time the market hiccups—you need clarity and confidence. - Convert Your Nest Egg Into Reliable Income
The question isn’t, ‘Will I run out of money?’ It’s, ‘How can I confidently enjoy my wealth and still remain flexible for life’s twists and turns?’ That’s exactly what we help you do. - Protect Your Wealth and Family With Straightforward Tax and Estate Planning
We ensure your hard-earned wealth goes exactly where you want—without unnecessary taxes, complications, or confusion.
Finally, Someone Who Gets How You Think About Money
You didn’t build your wealth overnight, and you don’t want someone managing it like a day trader. You want steady, thoughtful, professional management from people who respect how hard you worked to get here.
You’ve spent decades being responsible with your money. Now let us be responsible for it.
220+
Clients Served
25+
Years of Experience
$250m+
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.