RCS Financial Planning, LLC

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Client assets under management

$271,161,029

Clients

218

49% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

109

Very High

Average account size

$1,243,858

About

RCS Financial Planning provides portfolio management, comprehensive financial planning, ongoing subscription planning, and pension consulting to individuals, high‑net‑worth clients, and retirement plans. The firm reports discretionary assets under management of about $271 million as of December 31, 2025 and delivers written financial plans as well as ongoing plan monitoring and implementation services.

RCS documents client goals and risk tolerances in individualized Investment Policy Statements and applies modern portfolio theory, primarily recommending evidence‑based mutual funds and using a long‑term trading approach. The firm routinely seeks discretionary authority to implement portfolios, may recommend third‑party money managers when appropriate, and accommodates client‑imposed investment restrictions.

Distinctive features include no stated account minimums and a policy to provide ongoing financial planning at no additional charge for clients with more than $750,000 in assets under management. RCS uses multiple custodians (including Betterment Institutional, Schwab, and Fidelity) and discloses receipt of business support services from Betterment that could influence custodian selection; the firm also does not aggregate (block) trades across client accounts, which can affect execution outcomes compared with peers.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

General retirement planning Wealth management Real estate investing Annuities

Fee options

Percentage

$0 - $1,000,000: 1.00% $1,000,000 - $3,000,000: 0.75% $3,000,000+: 0.60%

Project-based

Financial Planning hourly fee $250 - $450 per hour

Subscriptions

Ongoing Financial Planning monthly fee $0 - $300 per month

Other

Fee-only: Ongoing Financial Planning monthly fee $0 - $300 per month; Financial Planning hourly fee $250 - $450 per hour; Pension Consulting fixed fees $1,000 - $5,000; Upfront Financial Planning fee $0 - $4,000

Main office location

RCS Financial Planning, LLC

130 Admiral Cochrane Drive, Suite 200

Annapolis MD 21401, United States

Number of offices

Most active in

Delaware · Florida · Maryland · North Carolina · Texas · Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website 410-224-0097

Advisors at this firm

Amanda H

CFA®

Annapolis, MD

RCS Financial Planning, LLC

Amanda Hopkins Clouser is a CFA® charterholder with seven years of industry experience. She has been with RCS Financial Planning, LLC since 2018 and previously worked at TIAA from 2008 to 2017. RCS Financial Planning serves individual clients, including high-net-worth individuals, as well as pension and profit-sharing plans. The firm employs an evidence-based investment approach focused on modern portfolio theory and offers comprehensive financial planning, portfolio management, and pension consulting services.

General retirement planning Wealth management Real estate investing Annuities

Thaddeus T

CFP®, Series 66

Annapolis, MD

RCS Financial Planning, LLC

Thaddeus Toal Jr. is a Certified Financial Planner® with 24 years of industry experience. He has worked at RCS Financial Planning, LLC since 2017 and previously spent 10 years at Rockwood Wealth Management, LLC. RCS Financial Planning serves individual clients, including high-net-worth individuals, as well as pension and profit-sharing plans. The firm provides portfolio management, comprehensive financial planning, and pension consulting, following an evidence-based investment approach grounded in modern portfolio theory.

General retirement planning Wealth management Real estate investing Annuities

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