# Retirement Capital Strategies, Inc.

> Retirement Capital Strategies, Inc. is an SEC-registered investment advisory firm in San Jose, CA, registered since 2010, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated April 21, 2026.

- CRD: 139009
- Filed as: RETIREMENT CAPITAL STRATEGIES, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Jose, CA
- Filing period: October 2026
- Form ADV filing dated: April 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/139009
- AdvisorCensus page: https://advisorcensus.com/firm/retirement-capital-strategies-inc-san-jose-ca-139009

## Quick answers

**How is Retirement Capital Strategies, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Retirement Capital Strategies, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Retirement Capital Strategies, Inc. charge?**
Its Form ADV Part 2A brochure dated April 21, 2026 states: Flat fee: $250 to $2,500 (Financial and Retirement Planning consultation); Hourly rate: $125 to $325 an hour (Financial and Retirement Planning consultation). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Retirement Capital Strategies, Inc. located?**
Retirement Capital Strategies, Inc.'s principal office is in San Jose, CA, according to its Form ADV.

**Is Retirement Capital Strategies, Inc. registered with the SEC or a state?**
Retirement Capital Strategies, Inc. is an SEC-registered investment advisory firm, registered since 2010. Status as filed: Approved. CRD 139009.

**How much does Retirement Capital Strategies, Inc. manage?**
Retirement Capital Strategies, Inc. reports $305,157,069 in regulatory assets under management in its Form ADV filing dated April 21, 2026 (100% discretionary).

**How have Retirement Capital Strategies, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Retirement Capital Strategies, Inc.: Regulatory assets under management: $272,644,923 in the October 2021 data and $305,157,069 in the October 2026 data, up 12%. Total employees: 9 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Retirement Capital Strategies, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (197); high net worth individuals (64); charitable organizations (1).

**Which custodians does Retirement Capital Strategies, Inc. use?**
Retirement Capital Strategies, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Retirement Capital Strategies, Inc. report any disciplinary disclosures?**
Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.C(2) (SEC or CFTC finding of a violation), 11.C(4) (SEC or CFTC order), and 11.C(5) (SEC or CFTC civil money penalty or cease-and-desist order). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/139009

**Does Retirement Capital Strategies, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated April 21, 2026 says: "RCS requires a soft initial minimum account size of $750,000 and reserves the right to decline any potential client for any reason."

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated April 21, 2026)

- Account minimum: $750,000

> RCS requires a soft initial minimum account size of $750,000 and reserves the right to decline any potential client for any reason.

- Flat fee: $250 to $2,500 (Financial and Retirement Planning consultation)

> Financial and Retirement Planning consultation also is provided as a stand-alone service on an hourly basis, which ranges from $250 to $2,500 on a fixed fee basis

- Hourly rate: $125 to $325 an hour (Financial and Retirement Planning consultation)

> or from $125 to $325 on an hourly basis.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $305,157,069
- Discretionary: $305,157,069
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 197 | $79,734,372 |
| High net worth individuals | 64 | $218,903,509 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 1 | $600,611 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 1 | $5,918,577 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2010 (16 years)
- Employees: 6 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, OR, TX, WA
- Disclosures (Item 11): Reports 3 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.C(2): Has the SEC or the CFTC ever found that the firm or an advisory affiliate was involved in a violation of SEC or CFTC regulations or statutes?
- 11.C(4): Has the SEC or the CFTC ever entered an order against the firm or an advisory affiliate in connection with investment-related activity?
- 11.C(5): Has the SEC or the CFTC ever imposed a civil money penalty on the firm or an advisory affiliate, or ordered the firm or an advisory affiliate to cease and desist from an activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/139009

### Websites listed on Form ADV (Item 1.I)
- golivewithtom.com
- login.bdreporting.com/Auth/RCS/SignIn
- rcsadvisor.com
- retirementcapitalstrategies.com
- talkmoneywithtom.com
- Facebook @rcsadvisor
- LinkedIn @retirement-capital-strategies
- YouTube @RCSadvisor

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $272,644,923 | 9 | March 30, 2021 |
| October 2022 | $295,998,391 | 7 | March 22, 2022 |
| October 2023 | $236,401,293 | 6 | August 2, 2023 |
| October 2024 | $265,206,130 | 6 | March 29, 2024 |
| October 2025 | $295,517,793 | 6 | March 20, 2025 |
| October 2026 | $305,157,069 | 6 | April 21, 2026 |

Regulatory assets under management: $272,644,923 in the October 2021 data and $305,157,069 in the October 2026 data, up 12%.
Total employees: 9 in October 2021 and 6 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Retirement Capital Strategies, Inc. (CRD 139009): Form ADV filing data as of October 2026.