Wealth Management Annapolis

At RCS Financial Planning, our mission is simple: our Fiduciary Advisors provide personalized wealth management that minimizes our clients’ financial concerns and maximizes their security. RCS Financial Advisors understand that every client has unique needs. Our role is to help you make smart, well-informed decisions about your financial life and investments - providing you with greater financial independence, peace of mind, and security.

● We listen and help evaluate your needs and then develop a plan to reach your financial and personal goals - within your comfort level.
● Your goals form the foundation for your financial life. They become the measure against which we will base every financial decision you make.
● Our clients are business owners, professionals, and retirees who are too busy with their careers and lives and don’t have the time to research and manage their finances themselves. They are prudent investors who are relationship and goal-oriented and expect the same from their financial advisor.

While each of our clients is unique, they all have one thing in common: They want unbiased financial planning and investment advice from experienced professionals. Our clients look to RCS Financial Planners to provide solutions for their current situation and ultimate goals. They have worked hard for their money and look to us to guide them toward financial security throughout their lives.

                       What Makes Us Different?

We’re Fiduciary Financial Advisors. Fiduciary means we’re legally obligated to always act in our clients’ best interests.
We’re independent. Independence means we have the freedom to do what is right for our client, without pressures to sell financial products, which is prevalent at large corporate firms.
We’re comprehensive. We don’t just worry about one piece of your financial puzzle; we offer everything from financial and retirement planning to tax planning and investment management.

Ted Toal, CFP®

Ted Toal

President | CFP®

I'm Ted Toal, CERTIFIED FINANCIAL PLANNER™, and I've worked in financial services for over 20  years. I stepped away from the mainstream financial sector when I became aware of many firms' aggressive sales tactics. To offer a positively focused alternative to brokerage firms, I started my firm 19 years ago. The foundation of RCS Financial Planning services is integrity and transparency. I believe that managing your money and investments should be uncomplicated. I provide straightforward, relevant, and actionable advice to pre-retirees and retirees, high-earning individuals, and business owners. 

I live in Davidsonville, MD, with my wife of 22 years. I have three sons and an English yellow lab named Finn. In my spare time, I enjoy CrossFit and supporting the Cystic Fibrosis Foundation.  

Ted Toal LinkedIn Page

Amanda Clouser

Partner - Financial Planner | CFP®, CFA

I'm Amanda Clouser, CFP®, CFA. I spent 14 years working on the corporate side of several financial services institutions, including S&P, ING Direct (now Capital One), and TIAA. I learned a lot about the industry and profitability along the way but became disillusioned by the yearly pursuit of corporate objectives. I joined RCS Financial Planning to help ambitious families and business owners maximize their financial potential. I enjoy getting to know each of my clients and helping them solve unique financial puzzles.

I live in Annapolis, MD, with my husband and two sons. I graduated from JMU with a B.S. in Quantitative Finance, acquired the designation of Chartered Financial Analyst in 2008, and obtained my Certified Financial Planner certification in 2018.

Amanda Clouser LinkedIn Page
Amanda Clouser, CFA, CFP®
Kent Groff, CFP®

Kent Groff

Financial Planner| CFP®

I’m Kent Groff, CERTIFIED FINANCIAL PLANNER™. I have worked in the financial services industry for just under a decade. I spent most of my career with a large public financial firm, but, after seeing the conflict of interest with high fee products, I left to become a true fiduciary for my clients. I joined RCS Financial Planning to help individuals, families, and businesses achieve their most cherished financial goals. From the beginning, my personal motto has been “I achieve my goals by helping others achieve theirs.”

I live in Cockeysville, MD, with my wife, son, and daughter. I graduated from The University of Alabama and enjoy golfing and snowboarding in my free time.

Kent Groff LinkedIn Page