Retirement Planning in Annapolis, MD
A retirement income plan that adjusts with you — not a one-time report that sits in a drawer. We help retirees and near-retirees in Annapolis and throughout Maryland navigate the shift from saving to spending with confidence.
No Cost – No Obligation – No Sales Pitch
Retirement Planning Is More Than
Investment Management
Most advisors focus on your portfolio. But when you retire, the portfolio is only one piece. The real questions become harder — and more personal.
How much can I confidently spend — this year, next year, in twenty years?
What happens to my plan if the market drops 30% in year one of retirement?
How do we plan for rising healthcare costs over the next 20–30 years?
Which accounts should I draw from first to minimize my lifetime tax bill?
How do I coordinate Social Security, pensions, and withdrawals?
Will my spouse be financially secure if something happens to me?
Getting Started
From First Conversation to Ongoing Guidance
Working with RCS Financial Planning starts with a single meeting and grows into a long-term planning relationship. Here’s what to expect.
Discovery Meeting
45 minutes · No cost · No obligation
Your first conversation with us is a Discovery Meeting — not a sales pitch. We’ll talk through your retirement timeline, income sources, concerns, and what you want retirement to look like. You’ll also get a clear sense of how we work and whether our approach fits what you need.
Retirement Assessment
Complimentary · Personalized analysis
We analyze your full financial picture — investments, tax situation, Social Security options, pension decisions, and spending needs. You’ll receive a concise analysis showing what your options look like and the path we believe makes the most sense, including the often-overlooked impact of withdrawal sequencing and tax decisions on your long-term income.
Onboarding & Implementation
Your plan, built and executed
We build and implement your full retirement income plan — consolidating accounts, establishing your income strategy, setting up tax-efficient withdrawal sequencing, and coordinating Social Security, pensions, Roth conversions, RMDs, and more. You’ll know exactly where your income is coming from and how it’s being taxed.
Your Plan Doesn’t Sit in a Drawer
Retirement is a decades-long process. Your plan needs to evolve with you. Here’s what our ongoing planning relationship looks like.
Ideal Clients
Who We Work With
- Retired or within 5 years of retirement
- Living in Annapolis or throughout Maryland — we also work with clients virtually nationwide
- Responsible savers with $1M or more in investable assets — including retirement accounts, brokerage accounts, and savings
- Cautious by nature — not chasing risky returns
- Looking for a long-term planning relationship — not a quick product pitch or a one-time plan
“Can we retire confidently without making a mistake we can’t undo?”
The question that brings most of our clients to us — professionals and federal employees who have quietly built wealth over decades and want to protect it.