Empowering Your Future with Strategic Financial Planning
Achieve peace of mind with an optimized financial plan
Are You Ready to Transform Your Financial Future?
Embark on a journey to a stress-free financial life. Imagine balancing your financial planning, navigating complex tax planning decisions, and making smart investment choices with ease and confidence. Our holistic approach brings clarity and control to your financial world.
Join Us in Shaping a Life of Financial Security
You’re not just seeking financial advice; you’re looking for a trusted partner to guide you and your family towards a prosperous future. At RCS Financial Planning, we don’t just manage your finances; we empower you to embrace life fully, without financial worries.
Together, we’ll chart a course to:
• Forge a lasting bond with a financial advisor who’s in your corner, every step of the way.
• Leverage expert insights to lighten your load and focus on what matters most to you.
• Fuel your ambition to maximize your financial potential.
Are you ready to take the leap towards financial peace of mind? Let’s start this journey together!
Our Process of getting to know each other
Are We a Fit?
You’ll get to meet us either in-person, over the phone, or virtually, during which we get to know each other very well. We believe it’s important that we are both comfortable in this new relationship.
We understand you have a lot of financial decisions to make and not enough time to do it all on your own. Our goal is to clearly present your options and considerations so you can make more effective and more informed decisions that are best for your family.
That’s why we are here! Delegate to us so you can focus on work, family, and fun.
Let’s get to work — We call it the “Get Organized Meeting”
There are many things we’ll need to know about you in order to give our best advice. There are documents to collect, issues to discuss, and brainstorming to be done. Most importantly, we want to find out exactly what you’d like to accomplish.
Assessment and Proposal Meeting
We’ll show you the precise next steps to execute on your opportunities and overcome your challenges. You’ll leave this meeting knowing exactly how we’ll answer your critical questions and how to tackle both your short-near and long-term goals.
Ongoing Accountability and Execution
We do our part, and we make sure you do yours. You can expect regular communication and meetings.
We like to stay current on what’s going on with you and the life you are building, which is why you can expect:
- A semi-annual review of your overall financial picture and the progress you’ve made to date
- Action items for all parts of your financial life including investing, tax planning, career decisions etc.
- Ongoing investment management and advice for your workplace benefit and retirement plans
Outside of regularly scheduled meetings, you’ll hear from us regularly for:
- Annual tax return review and W4/withholding optimization
- Monthly RCS newsletter sharing relevant news and action steps, and
- Anytime there’s a pertinent action item
We also expect you to come to us whenever there’s been a significant life change such as a
career shift, compensation change, or if you’re planning to buy a home or start a family.
WHAT DOES IT COST?
We keep our fees simple and clear
- Financial Planning Fee
Your one-time upfront financial planning fee will be: $0 - $4,000*
- Monthly Financial Planning Fee
Your monthly financial planning fee will be: $0 - $300*
- Investment Management Fee
Expenses should consume as little as possible from your investment returns. We collect this fee quarterly, in advance, directly from your investment accounts.
| Account value | Annual fees |
|---|---|
| First $1,000,000 | 1.00% |
| Next $2,000,000 | 0.75% |
| Above $3,000,000 | 0.50% |
We review fees every 12 months. If your financial circumstances have changed, your fee may also change. *When the assets we manage on your behalf exceed $500,000, we waive additional financial planning fees.
JUST BEGIN!
Get to know us with a complimentary
15-minute introductory phone call
STILL HAVE QUESTIONS?
Review our commonly asked questions
We work only for you. We don’t work for a bank, the insurance company, or a fund company. When we make a recommendation for an investment selection or insurance coverage, we do so because we believe it’s best for your situation, not because we are paid for it (because we aren’t!). We are compensated only by you for our expertise and advice.
Our clients can be generally grouped in the following ways:
Ambitious Professionals
Ambitious Professionals are in their 30s and 40s with W2 income of $200,000 or more, $300,000 or more for dual-earning households. They are in their prime earning years —and they make the most of them! They most often are in the process of buying new homes, considering job offers, and growing their family. At this point, every financial choice in one area impacts the next.
We are experts at navigating the complexities of these critical wealth-building years.
Business Owners
Most business owners manage a moderate-sized business (100 or fewer employees) with revenue of $500k to $15M. They may be considering expansion or succession/exit plans and must ensure their business success will translate to long-term financial security.
We have a proven history of helping business owners establish and manage retirement plans to the betterment of their families and employees.
Pre-retirees and Retirees
Pre-retirees and retirees are in their 50s or beyond and need to get organized for the next phase of life. They might be considering traditional retirement or a downshift in career to accommodate a desired lifestyle. The process of efficient spending in downsizing the assets accumulated require careful tax planning.
We specialize in tax planning for effective retirement income preparation.
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