A. Description of the Advisory Firm RCS Financial Planning, LLC (hereinafter “RCS”) is a Limited Liability Company organized in the State of Maryland. The firm was formed in November 2017, and the principal owner is Thaddeus N Toal Jr. B. Types of Advisory Services Portfolio Management Services RCS offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. RCS creates an Investment Policy Statement for each client, which outlines the client’s current situation and risk tolerance levels and then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation. Portfolio management services include, but are not limited to, the following: ● Investment strategy ● Personal investment policy ● Asset allocation ● Asset selection ● Risk tolerance ● Regular portfolio monitoring RCS evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. RCS will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. RCS seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of RCS’s economic, investment or other financial interests. To meet its fiduciary obligations, RCS attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, RCS’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is RCS’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. Ongoing Financial Planning This service involves working one-on-one with a planner over an extended period of time. By paying a fixed monthly fee, Clients get to work with a planner who will work with them to develop and implement their plan. The planner will monitor the plan, recommend any changes and ensure the plan is up to date. Upon desiring a comprehensive plan, a Client will be taken through establishing their goals and values around money. They will be required to provide information to help complete the following areas of analysis: net worth, cash flow, insurance, employee benefits, retirement planning, insurance, investments, college planning, and estate planning. Once the Client's information is reviewed, their plan will be built and analyzed, and then the findings, analysis, and potential changes to their current situation will be reviewed with the Client. Clients subscribing to this service will receive a written or an electronic report, providing the Client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. If a follow- up meeting is required, we will meet at the Client's convenience. The plan and the Client's financial situation and goals will be monitored throughout the year and follow-up phone calls and emails will be made to the Client to confirm that any agreed upon action steps have been carried out. On an annual basis, there will be a full review of this plan to ensure its accuracy and

ongoing appropriateness. Any needed updates will be implemented at that time. Pension Consulting Services RCS offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: ● identifying investment objectives and restrictions ● providing guidance on various assets classes and investment options ● recommending money managers to manage plan assets in ways designed to achieve objectives ● monitoring performance of money managers and investment options and making recommendations for changes ● recommending other service providers, such as custodians, administrators, and broker-dealers ● creating a written pension consulting plan These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Financial Planning Financial plans and financial planning may include but are not limited to investment planning; life insurance; tax concerns; retirement planning; college planning; and debit/credit planning. Selection of Other Advisers (Sub-Advisers) RCS may direct clients to third-party investment advisers. Before selecting other advisers for clients, RCS will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where RCS is recommending the adviser to clients. Our review process and analysis of outside managers is further discussed in Item 8 of this Form ADV Part 2A. Additionally, we will meet with the Client on a periodic basis to discuss changes in their personal or financial situation, suitability, and any new or revised restrictions to be applied to the account. Fees pertaining to this service are outlined in Item 5 of this brochure. Services Limited to Specific Types of Investments RCS generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs, treasury inflation protected/inflation linked bonds and non-U.S. securities, although RCS primarily recommends evidence based mutual funds. RCS may use other securities as well to help diversify a portfolio when applicable C. Client Tailored Services and Client Imposed Restrictions RCS will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by RCS on behalf of the client. RCS may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. D. Wrap Fee Programs The wrap fee program is an investment program wherein the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. RCS does not participate in any wrap fee programs. E. Assets Under Management RCS Financial Planning, LLC is registered as an Investment Adviser with the SEC, domiciled in the State of Maryland. We were founded in November 2017. Thaddeus N Toal Jr is the principal owner. RCS currently reports $198,776,808 in discretionary Assets Under Management and no non-discretionary Assets Under Management. Assets Under Management were calculated as of December 31, 2023.