Ted Toal

President | CFP®

I'm Ted Toal, CERTIFIED FINANCIAL PLANNER™, and I've worked in financial services for over 20 years. I stepped away from the mainstream financial sector when I became aware of many firms' aggressive sales tactics. To offer a positively focused alternative to brokerage firms, I started my firm 19 years ago. The foundation of RCS Financial Planning services is integrity and transparency. I believe that managing your money and investments should be uncomplicated. I provide straightforward, relevant and actionable advice to pre-retirees and retirees, high-earning individuals and business owners.

I live in Davidsonville, Maryland, with my wife of 23 years. I have three sons and an English yellow lab named Finn. In my spare time, I enjoy CrossFit and supporting the Cystic Fibrosis Foundation.

Amanda Clouser

Partner - Financial Planner | CFP®, CFA

I'm Amanda Clouser, CFP®, CFA. I spent 14 years working on the corporate side of several financial services institutions, including S&P, ING Direct (now Capital One) and TIAA. I learned a lot about the industry and profitability along the way but became disillusioned by the yearly pursuit of corporate objectives. I joined RCS Financial Planning to help ambitious families and business owners maximize their financial potential. I enjoy getting to know each of my clients and helping them solve unique financial puzzles.

I live in Annapolis, Maryland, with my husband and two sons. I graduated from JMU with a B.S. in Quantitative Finance, acquired the designation of Chartered Financial Analyst in 2008, and obtained my CERTIFIED FINANCIAL PLANNER™ certification in 2018.

I can be reached at (410) 695-9001 or Amanda.Clouser@RCSplanning.com

Kent Groff

Financial Planner | CFP®

I’m Kent Groff, CERTIFIED FINANCIAL PLANNER™. I have worked in the financial services industry for over a decade. I spent most of my career with a large public financial firm, but, after seeing the conflict of interest with high fee products, I left to become a true fiduciary for my clients. I joined RCS Financial Planning to help individuals, families and businesses achieve their most cherished financial goals. From the beginning, my personal motto has been “I achieve my goals by helping others achieve theirs.”

I live in Cockeysville, Maryland, with my wife, son and daughter. I graduated from the University of Alabama and enjoy golfing and snowboarding in my free time.

Bridget Borel

Financial Planner 

I always say that money isn’t math, and math isn’t money. Financial decisions come in the context of our lives – events and relationships that shape who we are and how we live. I am driven to connect my clients with the resources they need to meet their goals and dreams. Most of my clients are retired or near retirement. As the daughter of a veteran, I find it particularly rewarding to work with military service members and retirees, and as someone who has experienced divorce and the loss of my parents, I am passionate about working with those who are going through major life changes.

I came to the financial industry through work in insurance as well as research for a wealth management firm. As a fee-only financial planner, I’m in the best position I can be to help clients solve their own financial puzzles.

I hold a BS from Tulane University and live in Annapolis with my three children. My free time is filled with CrossFit, stand-up paddleboarding, and live music.