Retirement Planning Annapolis, MD

Practical planning for income, taxes, and long-term confidence — built for real life, not rules of thumb.

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Why Retirement Feels So Uncertain for So Many People

Most retirees don’t worry because they failed to save.

They worry because retirement introduces risks that don’t show up on an account statement:

Market downturns just as withdrawals begin

Taxes quietly reducing income year after year

Irreversible Social Security and pension decisions

Rising healthcare and long-term care costs

The financial shock a surviving spouse often faces

The real danger isn’t market volatility. It’s making permanent decisions without a coordinated plan.

A Different Kind of Financial Planning

As a financial advisor serving Annapolis and clients throughout Maryland, our role isn’t to predict markets or push generic strategies.

Our job is to help you:

Turn savings into dependable retirement income

Adjust calmly when markets or life change

Make proactive, tax-smart decisions

Protect both spouses—not just the balance sheet

Retirement works best when income, taxes, investments, and estate considerations are planned together—not in silos

How We Help You Retire With Confidence

Before – Most people come to us unsure:

  • “Am I spending too much?”
  • “What happens if markets drop?”
  • “Are we paying more tax than we should?”
  • “Will my spouse really be okay if I’m gone?”

After – Our clients experience:

  • Confidence in their retirement income
  • Fewer tax surprises and clearer projections
  • A plan that adapts without panic
  • Peace of mind knowing decisions were intentional

The RCS Retirement System: Simple, Comprehensive, and Built for Real Life

Our planning process is built on four pillars that work together to give you clarity, confidence, and long-term financial security throughout retirement.

Turn your savings into a predictable and sustainable retirement paycheck. We build a guardrails-based income plan that adapts to markets, inflation, and life changes—so you always know what you can safely spend.

We use income guardrails to take the guesswork and anxiety out of retirement income. Instead of vague “success percentages,” the plan clearly defines what happens if markets rise or fall. If markets decline, income adjustments are modest and temporary, designed to keep the plan on track without panic. If markets perform well, income can increase. The result is a retirement income plan that adapts to real-world conditions—so you can spend confidently, knowing there’s a clear plan no matter what the markets do.

Reduce lifetime taxes with forward-looking strategies, not guesswork. We model your taxes year-by-year, plan Roth conversions, avoid IRMAA surprises, and help you keep more of what you’ve earned.

Investing aligned with your income plan—not with market noise. Your portfolio is designed to support your retirement paycheck with evidence-based strategies, smart risk control, and tax-efficient implementation.

Get Your Retirement Assessment in Three Easy Steps

Free Strategy Call

You can put our expertise to the test while we learn what really matters in your situation—your Social Security and pension choices, investment strategy, and tax decisions that will ultimately determine how secure and stress-free your retirement will be.

Retirement Assessment

You’ll get a concise analysis that shows what your options really look like and the path we believe makes the most sense—based on the often-overlooked impact of Social Security and tax decisions on your retirement income.

Hire us (or don’t)

The Retirement Assessment is free, but it isn’t the end goal. Our objective is to help you retire confidently, stay retired, and—if the fit is right—continue working together as your ongoing financial advisor to guide every major decision along the way.

Schedule Consultation

Serving Annapolis and the Surrounding Maryland Area

We work with clients in Annapolis and throughout Maryland, and we also serve clients virtually across the country.
(410) 224-0097
130 Admiral Cochrane Drive #200

Annapolis, MD 21401

Office hours

Monday – Friday 9 am – 5pm