Retirement Planning with a Trusted Financial Advisor in Annapolis, MD
Comprehensive Retirement Planning for Your Peace of Mind
You’ve worked hard to build your wealth—now it’s time to ensure your money works just as hard for you in retirement. At RCS Financial Planning, we provide customized retirement plans designed to help you maximize your financial security while enjoying the life you’ve envisioned here in Annapolis, MD. Our approach is clear, actionable, and adaptable to your unique needs, ensuring your retirement plan grows with you over time.
A Clear Path to a Confident Retirement
Retirement planning isn’t just about saving; it’s about knowing how much you can safely spend without worry. Our approach focuses on maximizing your financial security while maintaining your desired lifestyle. We don’t just talk numbers—we create a clear, actionable plan tailored to your goals, so you always feel confident in your financial future.
According to a LIMRA study, retirees with a written retirement plan are 87% more confident in their financial future
Schedule a no-obligation introductory call.
Secure Your Retirement Income
Avoiding the “Probability of Failure” Pitfall
The fear of running out of money is common, but it’s often misplaced. The real concern is whether you’ll need to reduce your spending during retirement. Instead of fixating on a “probability of failure,” we help you understand how likely it is that your income may need to adjust, when it could happen, and by how much. This gives you a more realistic and reassuring perspective, allowing you to focus on enjoying your retirement.
Stay on Course, No Matter the Changes
Guardrails to Keep Your Plan on Track
As life changes, your retirement plan needs to adapt. We use risk-based guardrails to help monitor your financial situation, alerting you when adjustments are necessary. Whether it’s shifting spending or recalculating based on market changes, you’ll always know when and why your plan needs a tweak—and what that means for you in dollar terms.
Secure Your Retirement Income
Tax-Smart Retirement Income Planning
It’s not just about how much you have saved; it’s about how you take your withdrawals. Our tax-smart planning ensures you minimize taxes on your distributions, so more of your money stays in your pocket. We’ll help you answer crucial questions like:
- Where should I take distributions from?
- Should I consider Roth conversions?
- How do I optimize my tax efficiency over time?
With our expertise, you’ll have a strategy that accounts for every detail—from Roth conversions to the complex tax interactions within your portfolio—so your retirement plan works smarter, not harder.
Stress-Test Your Plan Against Real-World Challenges
See How You Measure Up
Our Retirement Stress Test uses real-world historical events—like the Global Financial Crisis, Dot-Com Bubble, or 1970s Stagflation—to simulate how your retirement plan could weather financial storms. You’ll see how long it might take for spending and account balances to recover after market downturns, giving you a clearer picture of your plan’s resilience.
Take Control of Your Retirement Future
Start Your Journey Today
At RCS Financial Planning, our goal is simple: help you retire with confidence. With tailored strategies, ongoing support, and a clear focus on your unique needs, we make sure your retirement is everything you’ve worked for—and more.
Ready to get started? Contact us today to schedule a consultation and begin building your personalized retirement plan.