RCS Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$271,161,029
Clients
218
Advisors
3
of 3 employees
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
Expertise
Fee options
$0 - $1,000,000: 1.00% $1,000,000 - $3,000,000: 0.75% $3,000,000+: 0.60%
Financial Planning hourly fee $250 - $450 per hour
Ongoing Financial Planning monthly fee $0 - $300 per month
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
130 Admiral Cochrane Drive, Suite 200
Annapolis MD 21401
Advisors at this office
3
Most active in
Delaware · Florida · Maryland · North Carolina · Texas · Virginia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Collin T
Series 65
Annapolis, MD
RCS Financial Planning, LLC
Collin Toal is a financial advisor at RCS Financial Planning, LLC in Annapolis, MD, holding a Series 65 designation. He began his career at RCS Financial Planning in 2026 and has prior experience in the fitness industry. RCS Financial Planning offers portfolio management, comprehensive financial planning, ongoing subscription planning, and pension consulting for individuals, high-net-worth clients, and retirement plans. The firm applies modern portfolio theory with evidence-based mutual funds and maintains individualized Investment Policy Statements to guide discretionary portfolio management.
Amanda H
CFA®
Annapolis, MD
RCS Financial Planning, LLC
Amanda Hopkins Clouser is a CFA® charterholder with eight years of industry experience. She has been with RCS Financial Planning, LLC since 2018 and previously worked at TIAA for nine years. 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 emphasizes evidence-based investing and long-term portfolio management, serving clients without account minimums and offering ongoing financial planning for qualifying asset levels.
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.
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