The RCS Retirement System

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

Schedule Your Retirement Call

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.

Who We Serve

We specialize in helping retirees and those nearing retirement who want a clear income plan, a long-term tax strategy, and a trusted advisor who will guide them through every stage of retirement.

Schedule an Intro Call

Pre-Retirees (5 Years or less Out)

You’re thinking seriously about retirement and want to make smart decisions about Social Security, taxes, and when you can confidently stop working.

Already Retired

You need a reliable retirement paycheck, clarity on taxes, and guidance to avoid costly mistakes during retirement.

Single or Widowed Women

You want a trusted advisor who provides clarity, stability, and honest guidance — with a plan designed to protect your future and your family.

Young Professionals

Whether you’re navigating your first high-earning years, managing equity compensation, or planning for a home or family, our advisor, we help young professionals build smart financial habits and long-term confidence.

Discover Our Services

We offer personalized retirement strategies tailored to your unique financial situation and lifestyle needs. Our approach includes risk-based guardrails with flexible withdrawal rates, comprehensive retirement stress testing against historical market events, and tax-efficient planning to optimize wealth preservation. We continuously monitor and adjust your strategy to ensure long-term financial security, preparing you for various scenarios and providing peace of mind throughout your retirement journey.

We address the unique tax challenges faced by both working professionals and retirees. For working professionals, we ensure proper withholding, optimize tax-advantaged accounts, and strategize around stock options and bonuses to minimize tax burdens. For retirees, we help manage Required Minimum Distributions (RMDs), navigate the complexities of IRMAA (Income-Related Monthly Adjustment Amount), and develop strategies to minimize taxes on Social Security benefits and investment income. Our goal is to reduce your overall tax liability while keeping you compliant with current tax laws.

Our investment management approach is grounded in time-tested principles designed to improve your odds of success. We focus on creating a globally diversified portfolio tailored to your risk tolerance and financial goals. Rather than trying to outguess the market, we let the markets work for you by embracing market pricing and resisting the urge to chase past performance. We manage your investments with discipline, avoiding reactive decisions during market fluctuations and focusing on long-term growth. By balancing investments across asset classes and regions, and considering factors such as company size, relative price, and profitability, we aim to maximize returns while managing risks.

While we are not attorneys, we provide comprehensive guidance and planning for your estate needs, working closely with your attorney to ensure your wishes are clearly defined and legally documented. Our services include advising on trust setup, estate tax planning, and wealth transfer strategies to help protect your legacy and minimize potential legal issues. We collaborate with legal professionals to align your estate plan with your overall financial goals.

Incorporate your values into your financial plan with our charitable giving services, offering guidance on donor-advised funds, charitable trusts, and legacy planning to make a meaningful impact.

About RCS Financial Planning Annapolis MD

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