# Collin Toal

> Collin Toal is a fee-only financial advisor at RCS Financial Planning in Annapolis, Maryland. Collin focuses on retirement planning, tax planning and estate & legacy planning. RCS Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/collin-toal/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** RCS Financial Planning
- **Based in:** Annapolis, Maryland
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Fees (firm's website):** typically works with clients with $1,000,000 or more
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $281.0M across 667 accounts
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Retirees, Pre-retirees, Early-career professionals
- **CRD:** 8356227 (https://adviserinfo.sec.gov/individual/summary/8356227)
- **SEC registration:** Investment adviser representative in MD
- **Exams passed:** Series 65 (2026)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://www.rcsplanning.com

## Frequently asked questions

### Is Collin Toal a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Collin holds no broker registration, and RCS Financial Planning reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Collin charge for financial advice?

Collin's firm, RCS Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### How much does Collin charge?

According to RCS Financial Planning's website, checked October 30, 2026: typically works with clients with $1,000,000 or more.

### Does Collin work with clients virtually?

Yes. RCS Financial Planning says on its website that it works with clients remotely.

### Where is Collin Toal based?

Collin Toal is based in Annapolis, Maryland.

### What does Collin specialize in?

Collin's specialties include retirement planning, tax planning and estate & legacy planning. Collin works with retirees, pre-retirees and early-career professionals.

### Is Collin Toal registered with the SEC?

Yes. Collin Toal is registered as an investment adviser representative in MD (CRD 8356227), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does RCS Financial Planning manage?

RCS Financial Planning reports $281.0M across 667 accounts in assets under management.

### How do I contact Collin Toal?

Through Collin's website, www.rcsplanning.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8356227): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://rcsplanning.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.