RCL Capital Management

A Certified Financial Advisor serving investors in greater Pittsburgh, Pennsylvania – Wexford, Cranberry, Marshall, Bradford Woods, Pine, Richland, McCandless, Ross – and beyond since 1997.


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RCL Capital Management

RCL Capital Management is an independent financial advisor for individuals and families who desire carefully-crafted, personalized investment plans. For a quick overview, read our Prospectus or FAQs.


Comprehensive expertise to help you manage a broad range of financial and investment needs.

Asset Allocation
Balancing your investments in cash, bonds, stocks or real estate.

Investment Tax Planning
A thorough understanding of income tax law with a CPA background.

Retirement Planning
Helping you prepare for retirement without stress.

IRAs and 401K Rollovers
Making prudent investment decisions cognizant of income tax consequences.

College Planning
529s, Coverdale Education Savings Accounts, UTMAs, UGMAs.

Estate Planning
Preserving wealth for loved ones instead of the government.


Withdrawals from Inherited Roth IRA's
Withdrawals from an Inherited Roth IRA provide the opportunity to extend the number of years over which the account can continue to grow tax free.

Roth IRA Estate Tax Considerations
Converting your IRA to a Roth IRA has estate tax benefits that should be evaluated especially if you are unlikely to utilize the Roth IRA account balance during your lifetime.

How Much Do I Need to Retire?
It is never simple but determining a general idea of how much money you need to retire doesn't require a thirty page analysis.

Should I Convert My IRA to a Roth IRA?
The decision to convert your IRA to a Roth IRA should be based on an evaluation of the benefits and your unique financial situation.

Real Returns
Focus on the items that really impact financial security and ignore the latest investment fads that lack staying power.

Maximize Social Security Benefits
Consider collecting Social Security benefits as soon as possible.

The Dow is a Poor Index
Although the Dow Jones Industrial is the most popular stock market index, there are other market indices that more accurately reflect the market's direction.

Family Foundations Not Just For The Rich
Your last name does not need to be Rockefeller in order to benefit from a family foundation.

Year End Tax Planning
With less than 90 days remaining in the current year, now is the perfect time to reduce how much you will owe the IRS on April 15th of next year.

Beneficiaries Matter
The names listed on your retirement account beneficiary forms are a matter of critical importance. Do you know why they matter? Do you even know who they are?

Company Stock in a 401(k) Plan?
The amount of net unrealized appreciation of company stock should be assessed prior to rolling that stock into an IRA.

IRA Contributions to the Max
It has always been a great idea to maximize the amount of money that you contribute to your IRA. However, there has been a recent change to income tax law that makes it even more beneficial for an investor to contribute to an IRA — and the sooner the better.