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.
How many clients has RCS Financial Planning served?
RCS Financial Planning has served over 200 clients. Our team is proud to have helped more than 200 individuals and families achieve their retirement goals with personalized financial planning.
How many years of experience does RCS Financial Planning have?
RCS Financial Planning has over 25 years of experience. Our team brings more than two decades of expertise in financial planning, helping clients navigate complex retirement decisions.
How much in assets does RCS Financial Planning manage?
RCS Financial Planning manages over $240 million in assets. We oversee more than $240 million in client investments, providing expert guidance for long-term financial security.
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. 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.
