Building financial plans for
a life well-lived
about Toprac financial
Rachael Smith, MBA, ChFC® has a passion for financial planning, teaching, and service that motivated her to start TopRac Financial. Rachael creates personalized financial plans that align with each client’s goals, values, and priorities. Through thoughtful, caring guidance, she helps clients navigate every stage of life—before and after retirement. A well-structured financial plan brings clarity, confidence, and peace of mind. Life is full of change, but with a plan in place, you’re ready for whatever comes next.
meet Rachael
Rachael Smith, MBA, ChFC®, Business Owner, and Fee Only Financial Planner, earned a Bachelor of Science from the United States Military Academy at West Point and served 13 years as an Army Military Intelligence Officer, including a year in Baghdad. Rachael received her MBA from the University of Michigan’s Ross School of Business. In the corporate world, Rachael has worked in various finance and procurement roles. Rachael has led global teams and has practical experience from a Fortune 3 oil and gas company, a private equity acquired defense contractor, and an energy start-up.
popular financial planning Topics:
• Cash Flow, Net Worth, Liquidity
• Charitable Giving
• Education Savings Planning
• Hourly Planning
• Investment Analysis
• Project Based Planning
• Retirement Income Planning
• Tax Strategies