Retire Confidently with Personalized Financial Planning

At RCS Financial Planning, we help retirees and those nearing retirement build sustainable income, minimize taxes, and protect their legacy—so you can enjoy the retirement you’ve worked hard for.

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Retirement Annapolis Maryland

What’s Missing from Your Retirement Plan?

Many of our clients come to us after realizing that their previous advisors didn’t fully address their retirement needs. You might be asking:

  • Will my savings last throughout retirement?
  • Am I paying more in taxes than necessary?
  • Are there hidden fees quietly draining my investments?
  • What am I missing that could jeopardize my financial future?

You shouldn’t have to settle for an incomplete financial strategy. We listen to your concerns, uncover gaps you didn’t know existed, and build a plan designed around your goals.

retirement planning annapolis maryland
Helping Annapolis retirees uncover hidden opportunities for financial security.
Retirement planning for Maryland residents
Personalized retirement planning for Maryland retirees.

Your Personalized Retirement Strategy

Our planning approach covers the areas most overlooked by traditional advisors:

Dynamic Income Guardrails

Stay financially secure with a system that adjusts to market shifts and inflation, ensuring your retirement income remains sustainable through every stage of retirement.

Advanced Tax Strategies

Go beyond basic tax planning with strategies designed to minimize lifetime tax liabilities, including Roth conversions, Social Security tax optimization, and Medicare IRMAA reduction.

Uncover Hidden Fees and Simplify Your Portfolio

We review your existing accounts to identify unnecessary fees and simplify your investments, making your financial life more manageable and cost-effective.

Long-Term Care and Legacy Protection

Be prepared for future healthcare costs and ensure your estate plan reflects your wishes, securing peace of mind for you and your loved ones.

Why Clients Trust RCS Financial Planning

  • We Listen First: Like the best advisors, we take time to understand your unique concerns and goals before offering solutions.
  • Fee-Only Fiduciary: No commissions. No product sales. Just objective advice focused on your best interests.
  • Tax-Efficient Retirement Expertise: Our in-depth strategies help you uncover hidden tax burdens and optimize your income streams.
  • Long-Term Relationships: We’re with you for the long haul, providing guidance and adjustments as your retirement needs evolve.
Annapolis-based financial advisor for retirement income planning
Charting a confident course for your retirement in Annapolis.
about rcs

How It Works (3-Step Process)

  • Schedule a Consultation – Share your goals, concerns, and retirement vision.
  • Get a Retirement Assessment – Get a personalized assessment that integrates tax optimization, income planning, and investments.
  • Retire Confidently – Enjoy peace of mind, knowing you’re prepared for the future.
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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.

Take Control of Your Retirement Today

You deserve more than a cookie-cutter financial plan. Let’s build a personalized strategy that helps you minimize taxes, sustain income, and protect your legacy.


📞 Schedule a free consultation today and take control of your future!

Get Your Free Assessment