RCS Financial Planning, LLC
SEC RegisteredYour Retirement Income Deserves a Process — Not a Product.
About the firm
RCS Financial Planning is a fee-only fiduciary advisory firm based in Annapolis, Maryland, specializing in retirement income planning, tax-aware withdrawals, and ongoing plan management for retirees and pre-retirees. The firm was built around a process-driven approach to sustainable retirement income, designed to help clients make confident decisions as markets, taxes, and life circumstances change.
Firm Focus
Client segments reported on the firm's SEC Form ADV — applies to all advisors at the firm.
Areas of expertise
Services
Retirement income planning including income guardrails, tax-aware withdrawal sequencing, Roth conversions, Social Security and pension coordination, RMD planning, IRMAA management, ongoing portfolio monitoring, and semi-annual plan reviews.
Who they serve
Couples approaching or in retirement, women navigating retirement alone, federal employees with CSRS or FERS benefits, and responsible savers with $1M or more in investable assets who are retired or within five years of retirement, primarily in Annapolis and throughout Maryland but also virtually nationwide.
| Client segment | Clients | Assets managed |
|---|---|---|
| Individuals (Non-HNW) | 111 | $37M |
| High Net Worth Individuals | 107 | $235M |
| Investment Companies | 0 | — |
| Pooled Investment Vehicles | 0 | $0 |
| Pension/Profit Sharing Plans | 0 | $0 |
| Charitable Organizations | 2 | $9.8M |
| State/Municipal Entities | 0 | — |
| Insurance Companies | 0 | — |
| Sovereign Wealth Funds | 0 | — |
| Corporations | 0 | $0 |
Leadership
Office locations
Advisors at this firm
2 advisors in the directory
Regulatory & compliance
| Asset tier | Annual rate |
|---|---|
| First $1,000,000 | 1.00% |
| Next $2,000,000 | 0.75% |
| $3,000,000 and up | 0.60% |
Data as of March 19, 2026 · Source: SEC IAPD & FINRA BrokerCheck
Contact Information
This profile was compiled and published by AdvisorFinder as editorial content using publicly available information from the SEC's IAPD database and FINRA BrokerCheck. RCS Financial Planning, LLC has not reviewed, approved, or endorsed this profile and is not responsible for its accuracy. Regulatory records change over time — always verify the current record directly on the SEC or FINRA websites before making any decision.
BrokerCheck data is used subject to the FINRA BrokerCheck Terms of Use. Found something inaccurate? Report inaccurate data and we will correct any error we introduced. Errors in the underlying BrokerCheck record itself are referred to FINRA, which maintains that record.
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