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RCS Financial Planning, LLC
RCS Financial Planning, LLC is a fee-only registered investment adviser headquartered in Annapolis, Maryland. Founded in 2011, the firm provides specialized financial planning and investment management services, primarily for individuals and families transitioning into or living in retirement. The team consists of 3 employees and serves clients nationwide through virtual platforms. RCS is committed to objective advice as a fiduciary, offering retirement income planning, tax optimization, and estate reviews for responsible families and high-net-worth individuals.
Investment Strategy
RCS Financial Planning employs an evidence-based planning approach, coordinating accounts into practical and dynamic spending plans that are adjusted only when life or market changes necessitate it. The firm focuses heavily on converting retirement savings into reliable income streams, maximizing tax efficiency, and protecting client wealth against unnecessary taxes and complications. As a fee-only fiduciary, RCS maintains objectivity in investment recommendations, tailoring strategies for retirement income, tax planning, and legacy management. The firm serves retirees, near-retirees, high-net-worth individuals, and young professionals, with an emphasis on clarity, confidence, and flexibility for client financial wellbeing.
Latest 13F Filing Activity
RCS Financial Planning, LLC filed their most recent 13F report on Jun 30, 2025 disclosing 83 equity positions with a total 13F market value of $201M. The fund increased holdings in Dimensional Etf Trust, Vanguard Mun BD FDS, Dimensional Etf Trust among other positions. RCS Financial Planning, LLC reduced exposure to Ishares TR, Ishares TR, Dimensional Etf Trust among others.
Top Holdings
Equity Positions (83)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
D DFAC | DIMENSIONAL ETF TRUST | 13.77% | $27.7M | 772,386 | $27.47 | $35.84 | +$4.4M |
D DFCF | DIMENSIONAL ETF TRUST | 8.39% | $16.9M | 399,256 | $41.53 | $42.26 | -$676.8K |
F FBND | FIDELITY MERRIMACK STR TR | 7.80% | $15.7M | 341,340 | $45.01 | $45.75 | +$1.0M |
D DFIC | DIMENSIONAL ETF TRUST | 5.31% | $10.7M | 343,715 | $24.15 | $31.09 | -$370.6K |
D DUHP | DIMENSIONAL ETF TRUST | 4.61% | $9.3M | 260,477 | $26.65 | $35.56 | +$728.6K |
Industry Allocation
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