Retire with Confidence: A Tax-Smart Approach to Financial Security

We help retirees create a secure, tax-efficient retirement plan so they can enjoy life—without worrying about outliving their savings or overpaying in taxes.
✅ Turn Your Savings into Reliable Income
✅ Minimize Taxes & Maximize Retirement Benefits
✅ Protect Your Wealth & Legacy for Future Generations

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Retirement Annapolis Maryland

Retirement Should Be Enjoyable—Not Stressful

Does This Sound Like You?
🔹 Worried about running out of money?
🔹 Concerned about how taxes will impact your retirement income?
🔹 Unsure how to pass wealth to your heirs or charities efficiently?

We Help You:
✅ Turn Your Savings into Reliable Income – Strategies to ensure financial security.
✅ Minimize Taxes Over Your Lifetime – Smart tax planning to keep more of your money.
✅ Protect Your Legacy – Ensure your estate plan aligns with your wishes.

Schedule a Consultation to Start Your Plan

retirement planning annapolis maryland
Helping Annapolis retirees uncover hidden opportunities for financial security.
Annapolis-based financial advisor for retirement income planning
Charting a confident course for your retirement in Annapolis.

Why Discerning Retirees Choose RCS Financial Planning

  • We Begin By Listening: Before offering solutions, we take the time to understand your unique concerns, goals, and retirement vision.
  • Fee-Only Fiduciary Commitment: No commissions. No product sales. Just objective advice focused exclusively on your best interests.
  • Specialized Tax-Efficient Retirement Expertise: Our in-depth strategies help you identify and eliminate hidden tax burdens while optimizing your income streams.
  • Long-Term Guidance: We’re with you for the long haul, providing ongoing guidance and adjustments as your retirement needs evolve.
about rcs

Your Path to Retirement Confidence

  • Schedule a Consultation – Share your goals, concerns, and retirement vision.
  • Receive Your Personalized Assessment – Get a comprehensive evaluation that integrates tax optimization, income planning, and investment strategy.
  • Enjoy Your Retirement – Move forward with confidence, knowing you’re fully prepared for whatever the future holds.
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About RCS Financial Planning Annapolis MD

230+

Clients Served

25+

Years of Experience

$230m+

Assets Managed

Frequently Asked Questions About Retirement Planning

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 lifetime benefits.

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.