About Us – RCS Financial Planning

Welcome to RCS financial planning

Helping you organize the pieces of your financial puzzle

For over 20 years, we have assisted countless high achieving professionals, businesses owners and retirees in improving their financial lives. By analyzing and strategically evaluating the individual pieces of your puzzle that make up your financial situation, we create a holistic, comprehensive plan that provides a cohesive, successful post-retirement with improved returns.

Creating lifelong relationships with our clients

Presdient – Financial Advisor

Ted Toal, CFP®

I’m Ted Toal, CERTIFIED FINANCIAL PLANNER™, and I’ve worked in financial services for over 20 years. I stepped away from the mainstream financial sector when I became aware of many firms’ aggressive sales tactics. To offer a positively focused alternative to brokerage firms, I started my own firm 22 years ago. The foundation of RCS Financial Planning services is integrity and transparency. I believe that managing your money and investments should be uncomplicated. I provide straightforward, relevant, and actionable advice to pre-retirees, retirees, high-earning individuals, and business owners.

Residing in Davidsonville, Maryland, I’m grateful to share my life with my wife of 26 years, our three remarkable sons, and Finn, our lovable English Yellow Lab. Outside of work, I’m passionate about strength training and golf, and I’m committed to giving back through my involvement with various charitable organizations.

Ted Toal, CFP
Partner – Financial Advisor

Amanda Clouser, CFP®, CFA

I’m Amanda Clouser, CFP®, CFA. I started my career in 2004 and worked on the corporate side of several financial services institutions, including S&P, ING Direct (now Capital One) and TIAA. I learned a lot about the industry and profitability along the way but felt disconnected to the yearly pursuit of corporate objectives. I joined RCS Financial Planning to help ambitious families and business owners maximize their financial potential. I enjoy getting to know each of my clients and helping them solve unique financial puzzles.

I live in Annapolis, Maryland, with my husband and two sons. I graduated from JMU with a B.S. in Quantitative Finance, acquired the designation of Chartered Financial Analyst in 2008, and obtained my CERTIFIED FINANCIAL PLANNER™ certification in 2018.

Amanda Clouser

Kent Groff, CFP®

I’m Kent Groff, CERTIFIED FINANCIAL PLANNER™. I’ve been in business for 12 years, spending the first 8 years of my career working for a publicly traded broker/dealer. However, after seeing the conflict of interest with high-commission products, I left to become a true fiduciary for my clients.

My passion for planning was significantly influenced by the experience of assisting my family during my father’s prolonged battle with brain cancer. This included dealing with the financial implications that arose before and after his passing.

As a result, I have centered my career around assisting high-achieving professionals and business owners in making optimized financial decisions for each unique stage of their lives.

I reside in Baltimore County with my wife, Jennifer, and our three children. Outside of work, I enjoy coaching boys’ lacrosse, playing golf, and spending quality time with my family.

Kent Groff CFP
Annapolis MD

Find peace of mind with
a plan that works for you

Your life is unique and so are your finances. An RCS Financial advisor will meet you where you are with an individualized plan and one-on-one support to help you reach your goals. Together, we’ll plan a secure financial future.