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 Clear Plan for Life
After the Paycheck.

The point of a well-built strategy is the freedom it creates, from how you spend your days to the people you want to care for. We bring order and steady judgment to the choices ahead, so every decision rests on a solid understanding of what it means for you.

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Our Foundation A Coordinated Approach to Financial Planning.

Independent & Fiduciary

Colorado Retirement Focus

Established Since 2003

 Personalized Approach

What We Do More Than Managing Money.

Retiring with a solid nest egg is an accomplishment, and it also raises questions that a lifetime of earning never had to answer. Knowing how much you can spend without running short, how to keep taxes from eroding your income, and how your separate accounts should work as one are the kinds of problems that rarely resolve on their own. Sorting through them, and building the answers into a strategy you can actually follow, is what we do for the individuals and families who work with us.

Who We Are A Family Firm Built to Outlast  Its Founder.

RCS carries the initials of its founder, Robert Smith, who built an independent, family-run firm in 2003 so that advice could stay centered on the people it serves. That same aim still guides how the family and the team operate today.

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How We Help Support for Every Moving Piece.

Retirement rarely comes down to a single decision, which is why we work across the areas that shape it rather than concentrating on only one. These areas connect, so we manage them as parts of a single strategy instead of a menu of separate services.

01 Retirement Income Planning

Deciding how much you can spend, where each dollar comes from, and how to keep that income steady for decades.

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02 Investment Management

Portfolios shaped around your timeline and tolerance for risk, then watched and adjusted as markets and your needs change.

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03 Tax Planning

Looking across several years to lower what you owe, and coordinating with your CPA so the strategy holds at filing.

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04 Retirement Income Planning

Organizing how your wealth passes on, working with your attorney so it reaches the right people with fewer surprises.

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05 Insurance and Risk Management

Reviewing the protection you carry and closing gaps, so an illness or downturn cannot undo years of careful saving.

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06 Long Term Care Protection Strategies

A long-term care event can impact far more than your health. We help you understand the risks, explore your options, and build a strategy designed to protect what matters most—your financial security, your family, and your legacy.

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Who We Help Those Moving From Building Wealth to Living on It.

Who We Help Those Moving From Building Wealth to Living on It.

The people we work with arrive from different careers and circumstances, though they tend to reach a point where the decisions ahead carry more weight than the ones behind them.

  • Near the end of their working years, or just past it, and ready to live on what they saved.

  • Holding much of their wealth inside the company, and weighing what an eventual sale means for retirement.

  • High earners, including physicians, with complex pay, packed schedules, and little time to manage it alone.

  • Looking past their own lifetime toward wealth that supports the next generation for years to come.


Our Process Built to Adapt as Your Life Does.

Our process aims to move you from scattered accounts and open questions to a written plan that keeps working long after it is built.

I

I

A First Conversation

We begin by understanding where you stand, what you want, and whether working together fits.

II

II

Getting Organized

Statements, policies, and returns come together into one clear picture of your full financial situation.

III

III

Building the Strategy

Your goals become a written plan covering income, investments, taxes, risk, and what you leave behind.

IV

IV

Walking You Through It

We present each recommendation, explain the reasoning, and adjust together until the plan truly fits.

V

V

Putting It in Motion

Accounts are moved and repositioned, income is set up, and your CPA or attorney is looped in.

VI

VI

Staying on Track

Regular reviews, rebalancing, and proactive check-ins keep the plan aligned as markets and life shift.

VII

VII

Being There When Life Changes

When a sale, inheritance, or loss of a spouse arrives, we are your first call.

Our Credentials Established. Dedicated. Experienced.

KiplingerHigh-Net Worth Retirees

KiplingerHigh-Net Worth Retirees

Wealthy retirees often overlook Social Security. But timed properly, it can drive tax efficiency, keep Medicare costs in check and strengthen your legacy.

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Pick Up a Copy at Our Office Our Complimentary Retirement Guide

Pick Up a Copy at Our Office Our Complimentary Retirement Guide

Visit us at 3989 E. Arapahoe Road, Centennial to pick up your copy.

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The Miami Herald New Seminar Series Educates Retirees Against Retirement

The Miami Herald New Seminar Series Educates Retirees Against Retirement

Over 44 million Americans over age 65 are facing stiff challenges to retire and stay retired. A new seminar series educates and equips retirees against the little-known mistakes.

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Start the Conversation Let's Talk About What Comes Next.

The clearest way to find out whether we're a good fit is to talk it through, with no pressure and no obligation on either side. Reach out whenever it suits you, and we'll find a time to sit down together.

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