Retirement Capital Strategies, Inc.
- Regulatory AUM
- $305M
- Discretionary
- $305M
- Clients
- 263
- Avg AUM / client
- $1.2M
- Accounts
- 627
- Employees
- 6
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Apr 21, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 197 | $79.7M | 26.1% |
| High net worth individuals | 64 | $219M | 71.7% |
| Charitable organizations | 1 | $601K | 0.2% |
| Corporations and other businesses | 1 | $5.9M | 1.94% |
People (4)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Thomas Earl Vaughan | Ceo/President | Oct 2017 (9y) | 75% or more | |
| Vasquez, Theresa, Lucia | Chief Compliance Officer | May 2018 (8y) | Less than 5% | |
| Neri, Camilla, Elizabeth | Director | Jun 2020 (6y) | Less than 5% | |
| Easan Sean Arulanantham | Registered representative | Jan 2025 (2y) |
Undisclosed: 0% – 25% of the firm is not attributable from the filed Schedule A bands.
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 04/21/2026 | 1.06 MB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
Allegations: WITHOUT ADMITTING OR DENYING THE SEC'S FINDINGS, RCS FAILED TO APPLY ADVISORY FEE DISCOUNTS TO CERTAIN CLIENT ACCOUNTS CONTRARY TO ITS DISCLOSURES AND REPRESENTATIONS TO CLIENTS, RESULTING IN THE IMPROPER CALCULATION OF ADVISORY FEES. THE SEC FURTHER FOUND THAT RCS DID NOT ADOPT A WRITTEN POLICY AND PROCEDURE TO PREVENT CHARGING CLIENT FEES GREATER THAN THOSE DISCLOSED OR CONSISTENTLY APPLYING BREAKPOINT DISCOUNTS AS DISCLOSED TO CLIENTS. Status: Final Sanction Detail: N/A Summary: ON NOVEMBER 19, 2018, RCS ENTERED INTO AN OFFER OF SETTLEMENT WITH THE SEC (IA REL. NO. 5065). PRIOR TO THIS, RCS REVIEWED THE RECORDS OF CURRENT AND FORMER CLIENTS WHO MAY HAVE PAID EXCESS FEES AND REFUNDED THOSE EXCESS FEES, WITH INTEREST, TO AFFECTED CLIENTS. RCS ALSO RETAINED A COMPLIANCE CONSULTANT TO, AMONG OTHER THINGS, CONDUCT A REVIEW OF RCS'S WRITTEN COMPLIANCE POLICIES AND PROCEDURES REGARDING ADVISORY FEES AND FORM ADV DISCLOSURES; UPDATED ITS COMPLIANCE POLICIES AND PROCEDURES AND ENHANCED ITS BILLING.
Disclosure text reproduced verbatim from the firm's own Form ADV filings.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Pension consulting services
Custody
Reported custodians
- Charles Schwab & Co. $282M (93% of AUM) Apr 2026
- LPL Financial $212M (100% of AUM) Mar 2018
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Apr 21, 2026.
View current Form ADV (SEC/IAPD) ↗