Wealth manager, independent · SAN Jose, CA
Retirement Capital Strategies, Inc.
SEC-registered investment adviser · CRD 139009 · SEC 801-70918
At a glance
Retirement Capital Strategies, Inc. is an SEC-registered investment adviser based in SAN Jose, California, with $305 million in regulatory assets under management as of its Form ADV filed April 21, 2026. Its largest client group by assets is high-net-worth individuals, and it reports 261 individual clients. By Form ADV it is a wealth manager, ranked 4,328th of 8,915 wealth managers and 10,078th of 17,210 SEC-registered advisers by assets.
Main office 408-551-6100rcsadvisor.comLinkedInAs filed on Form ADV
- Regulatory AUM
- $305M
- Rank among wealth managers
- #4,328 of 8,915
- Rank among all SEC RIAs
- #10,078 of 17,210
- Rank in California
- #1,162 of 1,873
- Individual clients
- 261
- High-net-worth clients
- 64
- Accounts
- 627
- Discretionary
- 100% of AUM
- Employees
- 6
- Advisory staff
- 2
- Offices
- 1
Owners and executives on its Form ADV
- Thomas E. VaughanCeo/president
- Theresa L. VasquezChief Compliance Officer
- Camilla E. NeriDirector
Custody and brokerage
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| High-net-worth individuals | 64 | $219M | 72% |
| Individuals | 197 | $80M | 26% |
| Corporations or other businesses | 1 | $6M | 2% |
| Charitable organizations | 1 | $1M | <1% |
Disciplinary disclosures
Retirement Capital Strategies, Inc. answers yes to 3 disclosure items in Item 11 of Form ADV (criminal, regulatory or civil matters involving the firm or its advisory affiliates). Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
- Pension consulting
How it’s paid
- A percentage of assets under management
- Hourly charges
- Fixed fees
Form ADV and brochures on the SEC’s adviser search ↗rcsadvisor.com ↗
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The full record on Retirement Capital Strategies, Inc.
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, ten years of filings
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- Growth over one, three and five years
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- Rank against 6,563 peers of its type and size
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- Owners and executives, with titles and stakes
- 3 namedLocked
- Main office, fax and compliance officer
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- Filing changes this year, with alerts
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Background
Questions
How much does Retirement Capital Strategies, Inc. manage?
Retirement Capital Strategies, Inc. reports $305 million in regulatory assets under management across 627 accounts, 100% of it on a discretionary basis, on its Form ADV filed April 21, 2026.
What kind of firm is Retirement Capital Strategies, Inc.?
Retirement Capital Strategies, Inc. is a wealth manager by its Form ADV answers. At least half of its regulatory assets are managed for individuals and high-net-worth individuals.
Who are Retirement Capital Strategies, Inc.’s clients?
By assets, its largest client types are high-net-worth individuals ($219 million, 64 clients); individuals ($80 million, 197 clients); corporations or other businesses ($6 million, 1 clients).
Does Retirement Capital Strategies, Inc. have any disciplinary history?
Retirement Capital Strategies, Inc. answers yes to 3 disclosure items in Item 11 of Form ADV, which covers criminal, regulatory and civil matters involving the firm or its advisory affiliates. The details are on the SEC’s adviser search.
Where these numbers come from
Every figure is Retirement Capital Strategies, Inc.’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-04-21), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Ranks compare it by regulatory assets with every SEC-registered adviser and with firms of its type. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →