Retirement Capital Strategies, Inc.

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.