How We Help: Retirement Planning Services
Retirement Planning Focused on Your Needs
At RCS Financial Planning, we specialize in helping retirees and near-retirees create a secure, tax-efficient retirement plan. Our approach focuses on maximizing income, minimizing taxes, and protecting your legacy—so you can retire with confidence.
Retirement Income Planning
Turn your savings into a predictable paycheck.
- Develop a structured withdrawal strategy to ensure your money lasts.
- Use guardrails to adjust income based on market conditions.
- Coordinate Social Security and pension decisions for maximum benefits.
- Plan for inflation, healthcare costs, and unexpected expenses.
Tax-Efficient Retirement Strategies
Keep more of your money with proactive tax planning.
- Identify opportunities for Roth conversions to reduce lifetime taxes.
- Manage Required Minimum Distributions (RMDs) strategically.
- Minimize Social Security taxation and Medicare premium surcharges.
- Optimize withdrawals from taxable, tax-deferred, and tax-free accounts.
Estate & Legacy Planning
Protect your wealth and ensure a smooth transition for your heirs.
- Review and optimize beneficiary designations.
- Align your estate plan with your retirement plan.
- Minimize estate taxes and avoid probate issues.
- Ensure a surviving spouse has a clear financial plan in place.
Investment Management for Retirees
A portfolio designed to support your retirement income needs.
- Align your investments with a sustainable withdrawal strategy.
- Reduce market risk while maintaining growth potential.
- Diversify across asset classes to create stability.
- Implement tax-efficient investment strategies.
Why Choose RCS Financial Planning?
✔ Fiduciary & Fee-Only: No commissions, no sales—just advice in your best interest.
✔ Retirement-Focused: Our expertise is in planning for retirees and near-retirees.
✔ Tax-Smart Planning: We help you reduce taxes over your lifetime.
✔ Confidence, Not Guesswork: A structured plan so you always know where you stand.
✅ Schedule a Free Consultation Now!