Fiduciary Financial Advisor in Annapolis, MD
We provide thoughtful financial planning for every stage of life, with a primary focus on helping people nearing or in retirement create reliable income, manage taxes, and make confident financial decisions. We also offer strategic financial planning for younger professionals who want to build a strong foundation early.
Financial Planning Focused on Real-Life Decisions
Most people don’t wake up wanting a financial advisor. They want clarity, confidence, and reassurance that they’re making the right decisions — especially as life gets more complex.
At RCS Financial Planning, we are a fiduciary financial advisory firm based in Annapolis, Maryland. We work with individuals and families who want more than investment management — they want a plan that helps them navigate real-world decisions around retirement, taxes, Social Security, and life transitions.
While we serve clients at different stages of life, our core specialty is helping people in their final working years and throughout retirement turn savings into a dependable, tax-efficient income strategy.
Who We Serve
How Our Planning is Different
Most financial advisory firms focus on investments or products first and hope everything else works out.
We don’t.
Our approach starts with planning and decision-making, not performance chasing.
- We focus on retirement income planning, not just asset accumulation
- We integrate tax planning into every major decision
- We build plans designed to adapt as life and markets change
- We emphasize confidence, flexibility, and long-term sustainability
Investments matter — but only as a tool to support the plan, not the plan itself.
Services
- Retirement Income Planning: Turning savings into dependable income while managing risk and uncertainty
- Tax Planning & Coordination: Proactive strategies to reduce lifetime taxes and avoid costly surprises
- Social Security & Pension Analysis: Helping you make informed, personalized claiming decisions
- Financial Planning for Younger Professionals: Strategic guidance on saving, investing, and tax planning as complexity increases
- Investment Management: Disciplined portfolios aligned with your plan — not headlines or benchmarks
Who We’re a Good Fit For
We tend to work best with people who:
- Value thoughtful planning over chasing returns
- Want an ongoing advisory relationship, not a one-time plan
- Prefer clear guidance and professional judgment
- Are approaching retirement or navigating it already
- Want taxes and income planning handled proactively, not reactively
If that sounds like you, we should talk.
Annapolis, MD 21401
Monday – Friday 9 am – 5pm