TopRac Financial

Last week I returned from the Financial Planning Association's six-day Residency program in Colorado. It was a great week joining 30+ fellow Residents and Mentors, all focused on advancing the profession to better serve our clients. I learned so much, and I'm grateful for the experience.

I am incredibly grateful for the interest in my practice.

To ensure I continue providing the level of service my existing clients expect and deserve, I need to temporarily limit new engagements.

I look forward to connecting with new prospective clients again in late-August.

Thank you for your support and understanding.

Rachael Smith, MBA, ChFC®
TopRac Financial LLC

I'm excited to be joining the 2026 Amplified Planning Externship, which kicks off today.

One of the things I enjoy most about financial planning is that there is always more to learn. Whether it's technical knowledge, client communication, behavioral finance, or the planning process itself, I believe continuing education is an important part of serving clients well.

This summer, I'll be investing time in learning from experienced planners across the profession and exploring new ideas that can help me become a better financial planner for the individuals and families I serve through TopRac Financial.

Looking forward to the journey and grateful for the opportunity to learn alongside so many dedicated professionals.

For this Memorial Day, I wrote a reflection on legacy, inspired by the Artemis II mission and an officer I served with early in my Army career.

As a financial planner, I often have conversations about legacy in terms of financial assets and what we leave behind. But over time, I’ve come to believe legacy may also be about something much less tangible: what we carry forward from the people who shaped us.

What We Carry Forward - TopRac Financial What We Carry ForwardA Memorial Day Reflection on Legacy By Rachael Smith, MBA, ChFC® May 20, 2026 Recently, I was captivated by the Artemis II crew and their mission around the moon and back to Earth. The mission is dangerous. The crew would travel farther from Earth than any human has traveled be...

As year-end approaches, charitable giving often comes up in financial planning conversations. I wrote a brief article outlining a few considerations that may be helpful this time of year.
It touches on charitable bundling strategies, donating appreciated investments, and the use of donor-advised funds.
With a bit of planning, charitable giving can both support the causes you care about and help each gift go a little further.
Here is the link: https://topracfinancial.com/charitable-giving-strategies.../
Wishing everyone a Merry Christmas and Cheers to 2026!

Charitable Giving Strategies to Consider Before Year-End - TopRac Financial Charitable Giving Strategies to Consider Before Year-End December 24, 2025 Before the year is out, I wanted to share a brief note on charitable giving, specifically gifts to qualified 501 (c )(3) charities, and a few planning considerations worth discussing with your tax professional or financial pl...