# EDGAR Filing Document

**Accession Number:** 0001963347
**File Stem:** 0001085146-23-000429
**Filing Date:** 2023-1
**Character Count:** 9636
**Document Hash:** a34b11c8006e2adecb3b8db080430163
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000429.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0001085146-23-000429

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230127

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RCS Financial Planning, LLC
- **CENTRAL INDEX KEY:** 0001963347
- **IRS NUMBER:** 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:** 23564610

**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:** 12-31-2022

**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  01-27-2023<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:** 51

**Form 13F Information Table Value Total:** $102939253

      (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 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1759252 | 13540 | SH |  | SOLE |  | 13540 | 0 | 0 |
| CSX CORP | COM | 126408103 | BBG001S5Q7Q3 | 404103 | 13044 | SH |  | SOLE |  | 13044 | 0 | 0 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | BBG01254CL28 | 14876362 | 358294 | SH |  | SOLE |  | 358294 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS HI | 25434V757 | BBG017156DS5 | 843431 | 37941 | SH |  | SOLE |  | 37941 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | BBG017158GJ6 | 797232 | 35260 | SH |  | SOLE |  | 35260 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | BBG00Y2PHW26 | 1985191 | 90441 | SH |  | SOLE |  | 90441 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 516425 | 20624 | SH |  | SOLE |  | 20624 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 4782708 | 213991 | SH |  | SOLE |  | 213991 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 | BBG01636J356 | 1737876 | 78815 | SH |  | SOLE |  | 78815 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 | BBG01633Y2Y6 | 1626597 | 73237 | SH |  | SOLE |  | 73237 | 0 | 0 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 | BBG01254JDW6 | 13294444 | 288445 | SH |  | SOLE |  | 288445 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | BBG00Y2JG0C0 | 3802011 | 140711 | SH |  | SOLE |  | 140711 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 14805431 | 609779 | SH |  | SOLE |  | 609779 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 | BBG015DLMLQ7 | 4534272 | 188849 | SH |  | SOLE |  | 188849 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 | BBG015GTL6R0 | 1175583 | 55583 | SH |  | SOLE |  | 55583 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 | BBG015DG3GG1 | 4426875 | 178719 | SH |  | SOLE |  | 178719 | 0 | 0 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 614743 | 11588 | SH |  | SOLE |  | 11588 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 451835 | 11050 | SH |  | SOLE |  | 11050 | 0 | 0 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 | BBG001SSD830 | 445702 | 4120 | SH |  | SOLE |  | 4120 | 0 | 0 |
| ISHARES TR | CONV BD ETF | 46435G102 | BBG009BKDMM6 | 210286 | 3027 | SH |  | SOLE |  | 3027 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 699367 | 11346 | SH |  | SOLE |  | 11346 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 436764 | 4615 | SH |  | SOLE |  | 4615 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 4105668 | 10686 | SH |  | SOLE |  | 10686 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 | BBG006MJCSW0 | 2789120 | 62077 | SH |  | SOLE |  | 62077 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 1047251 | 12503 | SH |  | SOLE |  | 12503 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 1403286 | 30586 | SH |  | SOLE |  | 30586 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 3370169 | 39766 | SH |  | SOLE |  | 39766 | 0 | 0 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 | BBG00P35VT10 | 225122 | 3395 | SH |  | SOLE |  | 3395 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 828165 | 8929 | SH |  | SOLE |  | 8929 | 0 | 0 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 | BBG009DR6401 | 201139 | 8681 | SH |  | SOLE |  | 8681 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 420992 | 5839 | SH |  | SOLE |  | 5839 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 | BBG004FPV022 | 307475 | 2107 | SH |  | SOLE |  | 2107 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 1355299 | 12844 | SH |  | SOLE |  | 12844 | 0 | 0 |
| ISHARES TR | S 100 ETF | 464287101 | BBG001SGB026 | 214236 | 1256 | SH |  | SOLE |  | 1256 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 990982 | 9504 | SH |  | SOLE |  | 9504 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 | BBG001SFB7Z7 | 419751 | 5635 | SH |  | SOLE |  | 5635 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 422842 | 18611 | SH |  | SOLE |  | 18611 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 | BBG001S5T7M4 | 1183678 | 7153 | SH |  | SOLE |  | 7153 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 329795 | 2176 | SH |  | SOLE |  | 2176 | 0 | 0 |
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 | BBG001SRSPW6 | 446483 | 9787 | SH |  | SOLE |  | 9787 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78464A854 | BBG001SPTB87 | 343872 | 7645 | SH |  | SOLE |  | 7645 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 1441461 | 19148 | SH |  | SOLE |  | 19148 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 1241036 | 17275 | SH |  | SOLE |  | 17275 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 635941 | 13408 | SH |  | SOLE |  | 13408 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 969260 | 4548 | SH |  | SOLE |  | 4548 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 524342 | 3010 | SH |  | SOLE |  | 3010 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 330185 | 1727 | SH |  | SOLE |  | 1727 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 1050389 | 7483 | SH |  | SOLE |  | 7483 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 633464 | 16251 | SH |  | SOLE |  | 16251 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 217756 | 4400 | SH |  | SOLE |  | 4400 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 1263604 | 30107 | SH |  | SOLE |  | 30107 | 0 | 0 |

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