# Thaddeus Toal

> Thaddeus Toal is a fee-only financial advisor at RCS Financial Planning in Annapolis, Maryland, who holds the CFP credential. Thaddeus 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/thaddeus-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
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Retirees, Pre-retirees, Early-career professionals
- **CRD:** 4089665 (https://adviserinfo.sec.gov/individual/summary/4089665)
- **SEC registration:** Investment adviser representative in MD, NC, TX
- **Exams passed:** Series 66 (2000)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://www.rcsplanning.com

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Thaddeus 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 Thaddeus charge for financial advice?

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

### How much does Thaddeus charge?

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

### Does Thaddeus work with clients virtually?

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

### Where is Thaddeus Toal based?

Thaddeus Toal is based in Annapolis, Maryland.

### What does Thaddeus specialize in?

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

### What credentials does Thaddeus Toal hold?

Thaddeus Toal holds the CFP credential.

### Is Thaddeus Toal registered with the SEC?

Yes. Thaddeus Toal is registered as an investment adviser representative in MD, NC and TX (CRD 4089665), 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 Thaddeus Toal?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4089665): 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.