Financial Advisor Maryland

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®

Ted Toal, CERTIFIED FINANCIAL PLANNER™, entered into financial services 20+ years ago; but stepped out of the mainstream financial sector when he became aware of the aggressive tactics peddled by many firms.
Seventeen years ago Ted started his own firm to offer a positively focused alternative for his clients. He believes that managing your money and investments should be uncomplicated. These values form the basis of RCS Financial’s services.
Ted resides in Davidsonville, MD with his wife of 20 years, three sons, and their English yellow lab Finn. In his spare time he enjoys coaching youth football and CrossFit, and is active with the Cystic Fibrosis Foundation.

Ted Toal LinkedIn Page

Amanda Clouser

Partner - Financial Planner | CFP®, CFA

Amanda worked in large financial services institutions for 14 years including S&P, ING Direct (now Capital One), and TIAA. She gained a variety of financial knowledge along the way; but wanted to help real people rather than work for a corporation's objectives. 
She joins RCS Planning for the chance to develop personal relationships with families and individuals in her community, and to help them overcome financial challenges by prioritizing their unique needs and goals.
Amanda resides in Annapolis MD with her husband and two sons.
She holds a B.S. in Quantitative Finance from JMU and acquired the designation of Chartered Financial Analyst in 2008.

Amanda Clouser LinkedIn Page
Amanda Clouser, CFA, CFP®
Adam Bosma, MBA

Adam Bosma

Financial Planner| MBA

Adam is a graduate of the US Naval Academy and spent over a decade flying fighter jets before switching careers to the financial services industry.  After living through the Great Recession as a young professional, he developed a passion for personal finance and investments that led to a degree in Finance from the Kenan Flagler Business School and a strong desire to help other people with their own financial journeys.  

He believes in the concept of servant leadership and desires to build authentic connections with clients while helping them navigate uniquely personal financial challenges through comprehensive financial planning and asset management.

Adam is a member of the US Navy Reserves and flies part-time for a major commercial airline.  He resides in Arnold MD with his wife and three children, and enjoys following Navy football, traveling to new places and wants to get better at sailing.

Adam Bosma LinkedIn Page