Retirement Planning in Annapolis, Maryland

At RCS Financial Planning, our Annapolis-based retirement advisors specialize in assisting Maryland retirees and near-retirees in developing sustainable, tax-efficient retirement income strategies, ensuring you can enjoy your golden years without financial stress.

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Retirement Annapolis Maryland

Are You Ready for Retirement?

Here’s What’s Keeping Retirees Up at Night

Many retirees worry about running out of money, overpaying taxes, and making costly Social Security and pension mistakes. Does this sound familiar?

  • How much can I safely withdraw each year? Will my savings last 30+ years?
  • How do I reduce taxes on retirement income? How can I reduce my taxes and Medicare IRMAA?
  • When should I claim Social Security for the best benefit? What’s the best strategy to maximize my benefits?

At RCS Planning, we design guardrails-based retirement strategies to ensure you don’t just retire—but retire with confidence.

  • A Retirement Plan Tailored to You – Customized for your goals, income needs, and risk tolerance.
  • Tax Optimization for Lower Lifetime Taxes – Proactive planning to keep more of your money.
  • Estate & Legacy Planning to Protect Your Wealth – Ensure your assets transfer efficiently to loved ones.
retirement planning annapolis maryland

Retirement planning tailored for Annapolis retirees—ensuring your income lasts while enjoying the charm of Maryland’s capital.

How We Help

📍 Serving retirees in Annapolis, Severna Park, Arnold, and surrounding Maryland communities, and virtually nationwide.

Retirement Income Planning

Know exactly how much you can safely spend each year without running out.

Tax-Smart Retirement Strategies

Proactive Tax Planning and optimization to help reduce taxes and Medicare IRMAA Surcharges.

Estate & Legacy Protection

Ensure your wealth transfers efficiently to your loved ones without unnecessary taxation.

about rcs

How It Works (3-Step Process)

  • Schedule a Consultation – Meet with an experienced Annapolis retirement planner to discuss your goals.
  • Get a Retirement Assessment – A tax-smart strategy designed around your income, investments, and lifestyle.
  • Retire Confidently – Enjoy retirement knowing you have a clear, sustainable plan in place.
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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

Work with an Annapolis-based fiduciary financial advisor who specializes in retirement income, tax planning, and estate protection.


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

Get Your Free Assessment