Retirement Capital Strategies, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$298,637,881
Clients
261
Advisors
2
of 6 employees
About
Retirement Capital Strategies provides financial and retirement planning and discretionary investment management services to individual and high‑net‑worth clients. The firm also offers advisory services for employer‑sponsored retirement plans, variable annuity sub‑accounts, and 529 college‑savings plans.
The firm follows a predominantly passive, ETF‑based approach and maintains ten model portfolios spanning 10% to 100% equity, with multiple base models (including ESG and high‑dividend options) that are customized to client objectives; RCS uses tools such as MoneyGuidePro, RightCapital and Riskalyze and rebalances portfolios daily using iRebal. It can also incorporate private funds and tactical cash positions, and it discloses the use of derivatives—primarily covered calls and purchased options—in managed accounts for income generation or risk mitigation.
RCS’s brochure discloses a 2018 SEC settlement related to the incorrect application of advisory fee discounts; the firm states it refunded affected clients with interest, retained a compliance consultant, enhanced its written policies and billing automation, and paid a $50,000 civil penalty. Compared with many supported‑advisor peers, the firm’s explicit regulatory disclosure combined with its documented use of options in separately managed accounts are noteworthy operational characteristics for an adviser of its size.
Client services
Expertise
Fee options
Typically $1,495 for comprehensive financial plan, could be higher depending on complexity; fixed fees from $250 to $2,500 also possible
$0 - $249,999: 1.75% $250,000 - $499,999: 1.50% $500,000 - $749,999: 1.25% $750,000 - $999,999: 1.15% $1,000,000 - $1,999,999: 1.00% $2,000,000 - $4,999,999: 0.85% $5,000,000 - $9,999,999: 0.70% $10,000,000+: 0.55%
$125 to $325 per hour
Account minimum: $750,000
Main office
1190 Saratoga Ave., Suite 140
San Jose CA 95129
Advisors at this office
2
Most active in
California · Colorado · Oregon · Texas · Washington
Also doing business as
Blue Wave Investing · Retirement Capital Strategies, Inc.
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
Thomas V
Series 63
San Jose, CA
Retirement Capital Strategies, Inc.
Thomas Vaughan is a financial advisor at Retirement Capital Strategies, Inc. in San Jose, CA, holding a Series 63 designation with 36 years of industry experience. He has been with Retirement Capital Strategies since 2016 and maintains an affiliation with LPL Financial LLC since 2015. Retirement Capital Strategies serves individual and high-net-worth clients, providing financial and retirement planning alongside discretionary investment management. The firm employs a passive, index-based approach using primarily ETFs across multiple risk levels and offers specialized services including management of variable annuity sub-accounts, 529 college-savings plans, and employer-sponsored retirement plan investments.
Easan A
Series 65
San Jose, CA
Retirement Capital Strategies, Inc.
Easan Arulanantham is a financial advisor at Retirement Capital Strategies, Inc. with six years of industry experience. He holds a Series 65 designation and has worked at Retirement Capital Strategies since 2020, following earlier roles at AcademyX and Innit. Retirement Capital Strategies provides financial and retirement planning along with discretionary investment management services to individuals and high-net-worth clients, as well as advisory services for employer-sponsored retirement plans, variable annuity sub-accounts, and 529 college-savings plans. The firm employs a predominantly passive, ETF-based approach with multiple customized model portfolios and uses tools such as MoneyGuidePro, RightCapital, Riskalyze, and iRebal for portfolio management and rebalancing.
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