TopRac Financial

It's been great spending this week in Minneapolis at the annual Garrett Planning Network Conference. I'm always inspired by this community of fee-only financial planners. The days are flying by. It's encouraging to be surrounded by people who genuinely care about helping each other and serving clients well.

I stopped by the Slant CRM vendor booth today, and they handed me this comic book magazine. It made me smile. Such clever marketing! I especially like the "10 cents," very cute.

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...

🎉 Exciting news - TopRac Financial is open for business!

After serving in the Army and spending years in corporate America leading global teams and managing large contracts, I’m stepping into a new chapter: Helping individuals and families build financial plans for a life well-lived.

My practice is advice-only, offering hourly and project-based planning:
✅ No product sales
✅ No commissions
✅ Just personalized guidance based on your goals

Whether you're planning for retirement, navigating a life transition, or just want more clarity with your finances, I’d love to help.

I’m so grateful to be doing work that feels meaningful every day.

💻 topracfinancial.com
📩 [email protected]
📅 Schedule a free intro call: calendly.com/racsmith108/intro-toprac-financial

Thanks for celebrating this new chapter with me! 🌱📊

I am excited to share I passed my CFP board exam on Fri, July 11! Thanks to everyone who was praying for me, and covering my responsibilities over the last two months while I spent a lot of time studying at our Kennard property. My mental mindset, "I know what this takes, I've seen Rocky IV." Cue the training montage!

I'm excited to share the soft opening of TopRac Financial in July 2025. It has been a long-time dream of mine to start this business offering fee-only financial planning services. If you are interested in comprehensive financial planning services or just have some financial questions, feel free to schedule a time to chat with me. Appointment scheduling link in the comments.

I’m honored to be speaking at the upcoming Military Summit, Sept 11th, at The American College of Financial Services in Philadelphia. I look forward to meeting others in the military and financial services community and thanking all for their continued support of the Military Scholars Program. If you would like to learn more about my experience pursuing the CFP and ChFC designation coursework, please reach out any time.

The American College Center for Military and Veterans Affairs on LinkedIn: #financialservices #militarycommunity #veteransupport #militarysummit2024… Want to help us change lives in the military community and see how your contributions directly impact and empower those who serve? Don't miss our 2024 Military…