About Us – RCS Financial Planning
Your Local Fiduciary Financial Advisor in Annapolis, MD
If you’re retired or within a few years of retirement, you need more than investment advice. You need a financial advisor who understands how to turn savings into a reliable income, manage taxes year by year, and help you protect your spouse and family. That’s what we specialize in here in Annapolis.
200+
Clients Served
25+
Years of Experience
$240m+
Assets Managed
Presdient – Financial Advisor
Ted Toal, CFP®
I’m Ted Toal, CERTIFIED FINANCIAL PLANNER™, and I’ve worked in financial services for over 25 years.
Early in my career, I realized something that bothered me: much of the financial industry still operates from a sales and product-driven mindset. Retirement income planning is often treated like a product decision—annuities, bonds, dividend portfolios, or CDs—because advisors and clients don’t know what else to do.
But retirement isn’t something you solve with a product. It’s something you manage with a process.
That belief is what led me to step away from the mainstream brokerage world and build RCS Financial Planning. Our firm is built around integrity, transparency, and a retirement income planning process designed to help clients make confident decisions—especially when markets, taxes, and life circumstances change.
My focus is helping pre-retirees and retirees create a clear plan for sustainable income, smart tax strategy, and long-term financial security—without unnecessary complexity, fear-driven decisions, or guesswork.
I live in Davidsonville, Maryland with my wife of 28 years, our three sons, and Finn, our English Yellow Lab. Outside of work, I enjoy playing drums and guitar (and a little piano), golfing, and staying active.
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.
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.