Our Services – RCS Financial Planning

Discover Our Services

We believe that every client deserves a tailored approach to their financial journey. That’s why we’ve crafted a range of services designed to meet your unique needs and goals. Explore each category below to find out how we can help you achieve financial success:

Our comprehensive financial planning service takes a holistic approach to your finances, addressing all aspects of your financial life, from budgeting and debt management to investment and retirement planning, ensuring all your financial goals work together seamlessly.

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.

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.

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.

Safeguard your wealth and mitigate risks with our wealth protection planning services, including insurance reviews, asset protection strategies, and risk management solutions tailored to your needs.

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.

Why Choose Us?

We understand that financial planning is not a one-size-fits-all approach. Our team of experienced advisors is dedicated to understanding your unique needs and providing tailored advice to help you achieve your financial objectives. With a focus on integrity, transparency, and proactive communication, we are committed to delivering exceptional service that exceeds your expectations.

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Our Financial Planning Process

At RCS Financial Planning, we understand that financial planning encompasses a wide array of areas, including investments, tax strategies, insurance, retirement preparation, and estate planning. We provide a comprehensive and integrated approach, ensuring that every aspect of your financial life is addressed in a cohesive manner tailored to your unique needs.

You’ll get to meet us either in-person, over the phone, or virtually, during which we get to know each other very well. We believe it’s important that we are both comfortable in this new relationship.

We understand you have a lot of financial decisions to make and not enough time to do it all on your own. Our goal is to clearly present your options and considerations so you can make more effective and more informed decisions that are best for your family.

That’s why we are here! Delegate to us so you can focus on work, family, and fun.

There are many things we’ll need to know about you in order to give our best advice. There are documents to collect, issues to discuss, and brainstorming to be done. Most importantly, we want to find out exactly what you’d like to accomplish.

We’ll show you the precise next steps to execute on your opportunities and overcome your challenges. You’ll leave this meeting knowing exactly how we’ll answer your critical questions and how to tackle both your short-near and long-term goals.

We do our part, and we make sure you do yours. You can expect regular communication and meetings.
We like to stay current on what’s going on with you and the life you are building, which is why you can expect:

A semi-annual review of your overall financial picture and the progress you’ve made to date
Action items for your financial life include investing, tax planning, career decisions, etc.
Ongoing investment management and advice for your workplace benefit and retirement plans

Outside of regularly scheduled meetings, you’ll hear from us regularly for:

Annual tax return review and W4/withholding optimization
Monthly RCS newsletter sharing relevant news and action steps, and
Anytime there’s a pertinent action item

We also expect you to come to us whenever there’s been a significant life change, such as a
career shift, compensation change, or if you’re planning to buy a home or start a family.

Hourly Financial Planning

For clients seeking more limited services or those who may not meet our AUM minimums, we also offer hourly financial planning when our capacity allows. This flexibility ensures we can assist a wider range of clients with their specific financial needs.

Learn More About Hourly Financial Planning

Ready to take control of your financial future?

Schedule your personalized consultation and discover how we can help you achieve your financial goals.

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