# EDGAR Filing Document

**Accession Number:** 0001963347
**File Stem:** 0001963347-26-000001
**Filing Date:** 2026-1
**Character Count:** 14239
**Document Hash:** fc90364c536b1b468db10b7421def341
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001963347-26-000001.hdr.sgml**: 20260115

**ACCESSION NUMBER**: 0001963347-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260115

**DATE AS OF CHANGE**: 20260115

**EFFECTIVENESS DATE**: 20260115

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RCS Financial Planning, LLC
- **CENTRAL INDEX KEY:** 0001963347

**ORGANIZATION NAME:**
- **EIN:** 823548687
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22767
- **FILM NUMBER:** 26537071

**BUSINESS ADDRESS:**
- **STREET 1:** 130 ADMIRAL COCHRANE DR,
- **STREET 2:** STE 200-A
- **CITY:** ANNAPOLIS
- **STATE:** MD
- **ZIP:** 21401
- **BUSINESS PHONE:** (410) 224-0097

**MAIL ADDRESS:**
- **STREET 1:** 130 ADMIRAL COCHRANE DR,
- **STREET 2:** STE 200-A
- **CITY:** ANNAPOLIS
- **STATE:** MD
- **ZIP:** 21401

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** RCS Financial Planning LLC<br>**Address:** 130 ADMIRAL COCHRANE DR<br>STE 200-A<br>ANNAPOLIS, MD 21401

**Form 13F File Number:** 028-22767

**CRD Number (if applicable):** 000291678

**SEC File Number (if applicable):** 801-112282

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Thaddeus Toal<br>**Title:** President<br>**Phone:** 410-224-0097

**Signature, Place, and Date of Signing:**

/s/Thaddeus Toal  Annapolis, MD  01-15-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 90

**Form 13F Information Table Value Total:** $232004509

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 | BBG00Q9MR7Z1 | 3084704 | 32826 | SH |  | SOLE |  | 0 | 0 | 32826 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 | BBG00Q9MPQH1 | 299907 | 2683 | SH |  | SOLE |  | 0 | 0 | 2683 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 | BBG00Q9MQZW3 | 752253 | 7376 | SH |  | SOLE |  | 0 | 0 | 7376 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 4033489 | 14837 | SH |  | SOLE |  | 0 | 0 | 14837 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 | BBG01Q9L3DJ3 | 1694744 | 50893 | SH |  | SOLE |  | 0 | 0 | 50893 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 | BBG00ZS43SF2 | 1327042 | 17911 | SH |  | SOLE |  | 0 | 0 | 17911 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 | BBG00NNWBWQ2 | 5270395 | 86670 | SH |  | SOLE |  | 0 | 0 | 86670 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 | BBG01408D4M5 | 1871321 | 48530 | SH |  | SOLE |  | 0 | 0 | 48530 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 | BBG01GQYLJY8 | 958393 | 18162 | SH |  | SOLE |  | 0 | 0 | 18162 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 | BBG014KFRPJ9 | 216555 | 613 | SH |  | SOLE |  | 0 | 0 | 613 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 | BBG00BLYKRZ7 | 3737892 | 7974 | SH |  | SOLE |  | 0 | 0 | 7974 |
| CSX CORP | COM | 126408103 | BBG001S5Q7Q3 | 478138 | 13190 | SH |  | SOLE |  | 0 | 0 | 13190 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | BBG01254CL28 | 17166965 | 403359 | SH |  | SOLE |  | 0 | 0 | 403359 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 | BBG017159MD8 | 5447823 | 164686 | SH |  | SOLE |  | 0 | 0 | 164686 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS HI | 25434V757 | BBG017156DS5 | 377516 | 11706 | SH |  | SOLE |  | 0 | 0 | 11706 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | BBG017158GJ6 | 323564 | 9590 | SH |  | SOLE |  | 0 | 0 | 9590 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | BBG00Y2PHW26 | 918795 | 28210 | SH |  | SOLE |  | 0 | 0 | 28210 |
| DIMENSIONAL ETF TRUST | GLOBAL CR ETF | 25434V567 | BBG01JX91JD4 | 527772 | 9730 | SH |  | SOLE |  | 0 | 0 | 9730 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 623426 | 16359 | SH |  | SOLE |  | 0 | 0 | 16359 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 10732757 | 311456 | SH |  | SOLE |  | 0 | 0 | 311456 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 | BBG01636J356 | 499010 | 15758 | SH |  | SOLE |  | 0 | 0 | 15758 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 | BBG01633Y2Y6 | 978592 | 25752 | SH |  | SOLE |  | 0 | 0 | 25752 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 | BBG012558MV6 | 459686 | 9543 | SH |  | SOLE |  | 0 | 0 | 9543 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 | BBG01254JDW6 | 7628756 | 159098 | SH |  | SOLE |  | 0 | 0 | 159098 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | BBG00Y2JG0C0 | 2456959 | 52499 | SH |  | SOLE |  | 0 | 0 | 52499 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 | BBG01J6LTBL5 | 684023 | 9290 | SH |  | SOLE |  | 0 | 0 | 9290 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 27966778 | 706410 | SH |  | SOLE |  | 0 | 0 | 706410 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 | BBG015DLMLQ7 | 10138330 | 266588 | SH |  | SOLE |  | 0 | 0 | 266588 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 | BBG01BN5Z188 | 475930 | 13912 | SH |  | SOLE |  | 0 | 0 | 13912 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 | BBG015GTL6R0 | 1578106 | 68909 | SH |  | SOLE |  | 0 | 0 | 68909 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 | BBG015DG3GG1 | 9649143 | 293376 | SH |  | SOLE |  | 0 | 0 | 293376 |
| FIDELITY MERRIMACK STR TR | LOW DURTIN ETF | 316188408 | BBG00L4J9BR4 | 6111579 | 121192 | SH |  | SOLE |  | 0 | 0 | 121192 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 | BBG0078X1341 | 16381694 | 353764 | SH |  | SOLE |  | 0 | 0 | 353764 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 673975 | 1097 | SH |  | SOLE |  | 0 | 0 | 1097 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 | BBG001SJK6D5 | 1363412 | 16797 | SH |  | SOLE |  | 0 | 0 | 16797 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 4046062 | 60191 | SH |  | SOLE |  | 0 | 0 | 60191 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 | BBG001SSD830 | 2138889 | 21038 | SH |  | SOLE |  | 0 | 0 | 21038 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 | BBG001S8MLN3 | 252353 | 2895 | SH |  | SOLE |  | 0 | 0 | 2895 |
| ISHARES TR | CORE INTL AGGR | 46435G672 | BBG00BDV2SQ0 | 1191205 | 23819 | SH |  | SOLE |  | 0 | 0 | 23819 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 854503 | 9552 | SH |  | SOLE |  | 0 | 0 | 9552 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 405095 | 2724 | SH |  | SOLE |  | 0 | 0 | 2724 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 8315240 | 12140 | SH |  | SOLE |  | 0 | 0 | 12140 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 | BBG006MJCSW0 | 5778617 | 124165 | SH |  | SOLE |  | 0 | 0 | 124165 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 790512 | 6939 | SH |  | SOLE |  | 0 | 0 | 6939 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 4015766 | 56235 | SH |  | SOLE |  | 0 | 0 | 56235 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 603061 | 6342 | SH |  | SOLE |  | 0 | 0 | 6342 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 1604166 | 10768 | SH |  | SOLE |  | 0 | 0 | 10768 |
| ISHARES TR | ESG AWR MSCI USA | 46436E221 | BBG01DJPZVG0 | 322258 | 10058 | SH |  | SOLE |  | 0 | 0 | 10058 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 | BBG00MC0P0K7 | 867090 | 18121 | SH |  | SOLE |  | 0 | 0 | 18121 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 | BBG00H4BH3F2 | 1227393 | 52487 | SH |  | SOLE |  | 0 | 0 | 52487 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 | BBG001SRYH02 | 788182 | 6118 | SH |  | SOLE |  | 0 | 0 | 6118 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 | BBG00VHK2B74 | 509641 | 8851 | SH |  | SOLE |  | 0 | 0 | 8851 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 1295921 | 13610 | SH |  | SOLE |  | 0 | 0 | 13610 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 | BBG009DR6401 | 298959 | 7857 | SH |  | SOLE |  | 0 | 0 | 7857 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 | BBG004FPV022 | 1623073 | 6484 | SH |  | SOLE |  | 0 | 0 | 6484 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 3288821 | 16558 | SH |  | SOLE |  | 0 | 0 | 16558 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 1658904 | 15488 | SH |  | SOLE |  | 0 | 0 | 15488 |
| ISHARES TR | S 100 ETF | 464287101 | BBG001SGB026 | 4309117 | 12564 | SH |  | SOLE |  | 0 | 0 | 12564 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 4427714 | 35922 | SH |  | SOLE |  | 0 | 0 | 35922 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 5237061 | 24695 | SH |  | SOLE |  | 0 | 0 | 24695 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 1397066 | 13093 | SH |  | SOLE |  | 0 | 0 | 13093 |
| ISHARES TR | U.S. TECH ETF | 464287721 | BBG001SFB7Z7 | 681707 | 3414 | SH |  | SOLE |  | 0 | 0 | 3414 |
| ISHARES TR | US AER DEF ETF | 464288760 | BBG001SC08P5 | 913077 | 4253 | SH |  | SOLE |  | 0 | 0 | 4253 |
| MARSH  MCLENNAN COS INC | COM | 571748102 | BBG001S5T7M4 | 1243541 | 6703 | SH |  | SOLE |  | 0 | 0 | 6703 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 381239 | 788 | SH |  | SOLE |  | 0 | 0 | 788 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 237467 | 1273 | SH |  | SOLE |  | 0 | 0 | 1273 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 365584 | 2551 | SH |  | SOLE |  | 0 | 0 | 2551 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 | BBG00PZFDF86 | 265907 | 10679 | SH |  | SOLE |  | 0 | 0 | 10679 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 665338 | 27676 | SH |  | SOLE |  | 0 | 0 | 27676 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 897899 | 38421 | SH |  | SOLE |  | 0 | 0 | 38421 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 528118 | 16190 | SH |  | SOLE |  | 0 | 0 | 16190 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 | BBG001S7TCZ5 | 310111 | 2154 | SH |  | SOLE |  | 0 | 0 | 2154 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | BBG001SRXRD7 | 260404 | 5563 | SH |  | SOLE |  | 0 | 0 | 5563 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 286787 | 3682 | SH |  | SOLE |  | 0 | 0 | 3682 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 | BBG001ST39S0 | 280238 | 4031 | SH |  | SOLE |  | 0 | 0 | 4031 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 1297976 | 16470 | SH |  | SOLE |  | 0 | 0 | 16470 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 765922 | 15851 | SH |  | SOLE |  | 0 | 0 | 15851 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 3788649 | 7766 | SH |  | SOLE |  | 0 | 0 | 7766 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 952949 | 3027 | SH |  | SOLE |  | 0 | 0 | 3027 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 251740 | 1189 | SH |  | SOLE |  | 0 | 0 | 1189 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 495771 | 1922 | SH |  | SOLE |  | 0 | 0 | 1922 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 1000610 | 2984 | SH |  | SOLE |  | 0 | 0 | 2984 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 2079707 | 10889 | SH |  | SOLE |  | 0 | 0 | 10889 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 960295 | 17863 | SH |  | SOLE |  | 0 | 0 | 17863 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 4943425 | 98298 | SH |  | SOLE |  | 0 | 0 | 98298 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | BBG001T62MF5 | 416785 | 8853 | SH |  | SOLE |  | 0 | 0 | 8853 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 252691 | 3350 | SH |  | SOLE |  | 0 | 0 | 3350 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 2260442 | 36184 | SH |  | SOLE |  | 0 | 0 | 36184 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 | BBG01FQJQMT7 | 709999 | 6990 | SH |  | SOLE |  | 0 | 0 | 6990 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 374038 | 496 | SH |  | SOLE |  | 0 | 0 | 496 |

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