Retirement Planning in Annapolis, MD
Build a Confident Income Plan for the Retirement You Worked Decades For
Build a Confident Income Plan for the Retirement You Worked Decades For
Retirement planning isn’t just about investments. It’s about turning everything you’ve saved over a lifetime into a dependable plan — one that helps you feel confident about your income, taxes, healthcare costs, and the future.
At RCS Financial Planning, we help retirees and near-retirees in Annapolis, Maryland, navigate the most important financial transition of their lives:
The shift from saving a paycheck… to living on one.
If you’ve done everything right — worked hard, saved consistently, avoided reckless decisions — but still find yourself wondering:
- “Are we really ready?”
- “What if the market drops right after we retire?”
- “Are we missing something important?”
You’re exactly who we built our process for.
Retirement Planning Is Different Than Investment Management
Most people spend 30–40 years accumulating wealth. But retirement is different. Now the questions change:
- How much can we safely withdraw each year?
- How do we reduce taxes over the next 20–30 years?
- What happens if markets decline early in retirement?
- How do we plan for rising healthcare costs?
- Will my spouse be financially secure if something happens to me?
This is where real retirement planning matters. We help you build a strategy that doesn’t rely on guesswork or rules of thumb — but instead gives you clarity, guardrails, and confidence.
Who We Serve
Our ideal clients are typically:
- Retiring within the next 1–2 years or recently retired
- Living in Annapolis or throughout Maryland, although we do work with clients virtually nationwide
- Responsible savers with $2M or more in investable assets
- Cautious by nature — not chasing risky returns
- Looking for a long-term planning relationship, not a quick product pitch
Many are professionals or Federal/State employees who have quietly built wealth over decades. They aren’t trying to “beat the market.” They want to know:
“Can we retire confidently without making a mistake we can’t undo?”
Common Retirement Concerns We Help Solve
Why Clients Choose RCS Financial Planning
Many people come to us after working with an advisor who:
- Didn’t explain things clearly
- Focused only on investments
- Felt unavailable or impersonal
- Offered products instead of a true retirement plan
Our clients value something different: You can expect:
Clear Communication: We explain retirement decisions in plain English so you feel informed and confident.
Proactive Guidance: We don’t just build a plan once. We update projections, monitor risks, and adjust as life changes.
Personalized Planning: Your retirement plan should reflect your life — not a generic model.
Confidence Through Structure: Our planning process is designed to reduce uncertainty and help you feel in control again.
Most importantly, you’ll know why decisions are being made — not just what to do.
Next Steps
If you’re approaching retirement or already retired and want a planning-driven approach focused on income, taxes, and confidence, the next step is a conversation.
We’ll discuss your situation, your concerns, and whether we’re the right fit — no pressure, no obligation.
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.