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RCS Financial Planning

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Retirement planning annapolis

Retirement Planning - Annapolis, Maryland

How We Ease the Retirement Journey

Are you ready to embrace the next chapter of your life and make the most of your retirement? Whether you're just starting to plan or have already stepped into this new phase, it's time to focus on yourself and all the amazing opportunities that come with it.

Let RCS help you get organized and make the most of every moment. From retirement income planning, tax planning, healthcare, and long-term care, we'll provide the expert advice you need to achieve a stress-free and fulfilling future. Let's embark on this journey together and make the most of your retirement!

Retirement planning can be a complex and daunting ongoing task. RCS works closely with our clients to address common concerns when it comes to retirement planning:

  • How can you ensure you have enough money to last throughout your retirement?
  • How can you maintain your standard of living during retirement?
  • How can you manage healthcare costs during retirement?
  • What strategies can you use to minimize taxes and hidden taxes (IRMAA Surcharges) during retirement?
  • What is a proper investment strategy for retirement?
  • What are the potential long-term care needs during retirement and how can they be addressed?
How We Can Help

Comprehensive Retirement Planning

At RCS, we understand the importance of having a comprehensive financial plan in place to achieve your retirement goals. That is why we are proud to offer services that are tailored to meet your specific needs. Our team of experienced professionals will work with you to develop a personalized plan that incorporates all aspects of your financial situation, including dynamic retirement income planning, Social Security income optimization, tax smart distribution planning, and risk controlled investment strategies. Whether you are just starting out or nearing retirement, we are here to help you achieve your financial goals.

Dynamic Retirement Income Planning

Dynamic Retirement Income Planning is a new approach to managing finances during retirement. Rather than relying on traditional methods that focus on the probability of running out of money, this approach shifts the focus to the likelihood of needing to adjust spending. RCS uses advanced risk management techniques to create personalized plans that help clients adapt their spending as their circumstances change. These plans are constantly monitored and updated to ensure they remain effective, and clients are alerted when adjustments are necessary. This approach empowers retirees to make informed decisions about their finances and ensures they have the resources they need to maintain their desired lifestyle throughout retirement.

Tax Planning Strategies

RCS offers expert guidance on optimizing your portfolio withdrawals by taking into account the various tax implications and exploring different strategies. We simplify the process of evaluating the tax consequences of techniques like managing your tax bracket and prioritizing withdrawals in a specific order. RCS considers all planned cash flows, including Social Security, pensions, investment income, and portfolio withdrawals, and their varying tax treatment to provide our clients with clear and easy-to-understand choices to make informed decisions.

Investment Management
As you approach the end of your working years and begin to rely on your investments for income, it is imperative to implement risk management strategies for your investment portfolio. RCS views a diversified portfolio as a fundamental tool for mitigating risk and preserving capital. With a limited time horizon to recover from market downturns, retirees cannot afford to have their portfolios significantly impacted by volatility. It is crucial for to prioritize risk control measures in order to ensure the longevity of their savings and maintain financial security throughout retirement.
Estate Planning
Planning for retirement often coincides with planning for end-of-life as well, which can feel particularly burdensome when it comes to estate planning documentation and legal requirements. We can help ease the stress and confusion that often accompanies this process.

Are We The Right Fit?

Our typical retiree client has accumulated $1m+ in retirement funds and is now faced with developing an income plan to replace earnings after leaving the workplace. They need expert tax planning and investment strategies to avoid mistakes.

If this sounds like you, and you are looking for expert advice to help guide you through this time in your life, please reach out to us. We’d love to see how we can better help you.

START  YOUR JOURNEY WITH US

Get to know us with a complimentary 15-minute introductory phone call

Schedule an introductory call

RCS Financial Planning Footer logo

130 Admiral Cochrane Dr. #200
Annapolis, MD 21401

info@rcsplanning.com
(410) 224-0097

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