The RCS Retirement System

A clear, steady approach to retirement planning built on income guardrails, tax efficiency, and disciplined investment management.

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A Retirement Plan Built for Real Life

Most retirement advice focuses on products or investment performance. Our approach is different. The RCS Retirement System gives you a structured, defensible plan that aligns income, taxes, and investments into one coordinated strategy—so you always know where you stand and what adjustments to make.

  • No guesswork.
  • No chasing markets.
  • Just a steady plan that supports the life you want.

The RCS Retirement System

A strong retirement plan has to do more than manage investments. It must coordinate your income, taxes, and portfolio into one clear strategy that adjusts as life changes. That’s what the RCS Retirement System is built to do.

Each pillar works together to support your lifestyle, reduce uncertainty, and give you a steady framework for making decisions throughout retire

Your retirement income drives every decision. We build a personalized income plan using guardrails that adjust over time—helping you spend confidently during good markets and stay protected during downturns. This approach reduces uncertainty and gives you a clear, repeatable path year after year.

  • A sustainable withdrawal strategy tailored to your lifestyle
  • Income guardrails that tell you when to adjust
  • Annual reviews and updates as life and markets change
  • Integrated planning for Social Security, RMDs, and pensions
  • Clear projections so you always know where you stand

Most advisors rely solely on Monte Carlo. We use a more dynamic system designed for real retirees—not just simulations.

Taxes are one of the largest expenses in retirement. We build long-term and year-by-year tax strategies to minimize what you owe over your entire retirement—not just this year.

  • Roth conversion strategies
  • IRA, 401(k), and taxable account coordination
  • RMD planning
  • Social Security and Medicare tax optimization (including IRMAA)
  • Ongoing projections to prevent surprises

Most firms “mention” tax planning. We actually do it—every single year.

Your investment strategy must support your income plan—not the other way around. We manage portfolios with a disciplined, evidence-based approach that stays focused on long-term results, not market predictions.

  • Diversified, low-cost portfolios
  • Allocation built around your income plan
  • Disciplined rebalancing
  • Tax-efficient asset location
  • No chasing performance or market timing

Our investment decisions are based on academic research and decades of market data—not headlines or forecasts.

How We Build Your Retirement Plan

We learn what matters most to you: lifestyle, income needs, concerns, and goals.

We build a retirement income plan using guardrails and a long-term tax strategy.

We align your investments to support your income and tax plan.

We handle the details—transfers, positioning, and ongoing management.

Annual updates, tax planning, and guardrail reviews keep your plan on track.

Why Retirees Choose RCS

  • Fee-only, fiduciary advice
  • Specialists in retirement income and tax planning
  • Evidence-based investment strategies
  • Clear, steady communication
  • A relationship focused on your long-term security
  • No sales, no products, no hidden agenda