Your RCS Team

Client first, always. 20 years of helping clients simplify their finances and make solid investments for today and tomorrow

A trusted advisor that's fiduciary driven

Our legal obligation to act in your best interest is only superseded by our moral obligation to do the same. We firmly believe that a true financial partner shows you how to make the best choices for your future by always focusing on your needs first. Our fee-only service model ensures that there is no conflict of interest interfering with our impartiality as advisors by excluding any kind of commission or payment from third party companies.

Expert guidance for smart, confident decisions

Personal finance isn’t just about money. Whether you need advice, a serious financial plan, or guidance for your investments, we create experiences that decrease financial stress and anxiety. You can keep managing your own investments, or hand the reins over to a dedicated advisor who will care for your investments from start to finish.

Ted Toal, CFP®

Ted Toal

President | CFP®

Ted 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.

Amanda Clouser

Financial Planner | 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, CFA