Business Details
24 Years
experience
Your Trusted Fee-Only Financial Advisor for Retirement Planning in Annapolis, MD
For over 25 years, we have dedicated ourselves to helping high-achieving professionals, business owners, and retirees achieve financial clarity and security. As a fee-only fiduciary firm, we are legally obligated to act in your best interest, offering comprehensive financial planning, retirement income strategies, tax-efficient solutions, and investment management. Our team of CERTIFIED FINANCIAL PLANNERS and industry experts brings decades of combined experience to create personalized plans that align with your unique goals. We prioritize transparency, independence, and long-term relationships, ensuring our clients receive unbiased advice without commissions or hidden fees. Our dynamic Guardrail Planning System adapts to market changes, tax laws, and life events, providing sustainable income strategies that protect your legacy.Based in Annapolis, Maryland, we serve clients nationwide through virtual consultations, combining local expertise with national reach. Our commitment to integrity and client-centric service has earned us the trust of over 230 clients and $270 million in managed assets. We specialize in retirement transitions, optimizing Social Security benefits, minimizing taxes, and crafting estate plans that reflect your wishes. By focusing on risk-adjusted portfolios and proactive tax planning, we help clients navigate complex financial landscapes with confidence. Our mission is to transform retirement planning from guesswork into a structured, secure process that empowers clients to enjoy their post-retirement years with peace of mind.
Services
Retirement Income Planning
Tax-Efficient Strategies
Investment Management
Estate & Legacy Planning
Roth Conversion Strategy
Social Security Optimization
Details
- Year established: 2002
Highlights and features
- We operate as a fee-only fiduciary, legally obligated to act in your best interest.
- 25+ years of combined experience in retirement and tax planning strategies.
- Personalized financial plans tailored to your unique income, tax, and legacy goals.
- Transparent pricing with no commissions, products, or hidden fees.
- Nationwide virtual services combining local Annapolis expertise with digital convenience.
Associations and certifications
- CERTIFIED FINANCIAL PLANNER Board of Standards
- Chartered Financial Analyst Institute
What people say
Personalized strategies
Transparent fees
Expert guidance
Secure retirement
Tax-efficient plans
Services
Retirement Income Planning
Develop structured withdrawal strategies to ensure lifelong financial security. Coordinate Social Security, pensions, and investments while adjusting for market fluctuations. Focus on inflation protection and healthcare cost planning for sustainable retirement income.
Tax-Efficient Retirement Strategies
Minimize lifetime tax liabilities through Roth conversions and RMD optimization. Strategize withdrawals across account types while reducing Social Security taxation. Implement tax-aware investment management techniques for maximum after-tax returns.
Estate & Legacy Planning
Protect assets through optimized beneficiary designations and probate avoidance strategies. Align estate plans with retirement goals while minimizing inheritance taxes. Create survivor financial plans for spouse continuity.
Investment Management
Construct diversified portfolios matching risk tolerance and withdrawal needs. Implement tax-efficient investment approaches with market risk mitigation. Balance growth potential against income requirements for long-term stability.
Social Security Optimization
Analyze claiming timelines considering health and survivor needs. Maximize benefits through coordinated spousal strategies. Integrate Social Security with overall retirement income and tax plans for optimal outcomes.
People
Ted Toal
President & Financial Advisor
23-year financial services veteran and CFP professional. Founded RCS to provide transparent, commission-free advice. Specializes in retirement transitions for high-earners and business owners.
Amanda Clouser
Partner & Financial Advisor
CFP and CFA charterholder with 18+ years in financial institutions. Focuses on young professionals and business owners. Brings corporate finance expertise to personalized wealth management.
Kent Groff
Financial Advisor
14-year planning specialist and CFP professional. Transitioned from broker/dealer to fiduciary model. Expertise in optimizing financial decisions for high-achievers at all life stages.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including income strategies, tax optimization, investment management, estate planning, and Social Security optimization tailored to individual needs.
Are you legally required to act in my best interest?
Yes, as a fee-only fiduciary, we have a legal obligation to prioritize client interests above all else with no product sales or commissions involved.
How are your fees structured?
Our transparent fees start at 1% of managed assets for portfolios up to $1 million, decreasing for larger accounts with no hidden charges or additional fees.
Do you work with out-of-state clients?
Yes, we serve clients nationwide through virtual consultations while maintaining our Annapolis, Maryland headquarters for local clients.
What makes your approach different from other advisors?
Our dynamic Guardrail Planning System adapts to market changes and tax laws, combining personalized strategies with risk-adjusted portfolios for sustainable retirement income.
How do you handle tax planning for retirees?
We implement Roth conversions, optimize required minimum distributions, and coordinate withdrawals across account types to minimize lifetime tax liabilities for our clients.
Reviews (1)
Joseph Hartline
Oct 16, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Ted is a consummate financial professional. His recommendations have always been spot on.
Ted is a consummate financial professional. His recommendations have always been spot on.
