# Rachael Smith

> Rachael Smith is a fee-only financial advisor at TopRac Financial in Cypress, Texas, who holds the ChFC credential. Rachael charges a one-time planning fee and hourly fees (one-time plans from $840) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/rachael-smith/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** TopRac Financial
- **Based in:** Cypress, Texas
- **Fee model:** One-time planning fee; Hourly
- **Fees (firm's website):** one-time plans from $840
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** ChFC
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **CRD:** 8052045 (https://adviserinfo.sec.gov/individual/summary/8052045)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 65 (2025)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://topracfinancial.com/

## Frequently asked questions

### Is Rachael Smith a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Rachael holds no broker registration, and TopRac Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Rachael charge for financial advice?

Rachael charges a one-time planning fee and hourly fees.

### How much does Rachael charge?

According to TopRac Financial's website, checked October 30, 2026: one-time plans from $840.

### Where is Rachael Smith based?

Rachael Smith is based in Cypress, Texas.

### What does Rachael specialize in?

Rachael's specialties include retirement planning, tax planning and estate & legacy planning.

### What credentials does Rachael Smith hold?

Rachael Smith holds the ChFC credential.

### Is Rachael Smith registered with the SEC?

Yes. Rachael Smith is registered as an investment adviser representative in TX (CRD 8052045), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How do I contact Rachael Smith?

Through Rachael's website, topracfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8052045): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://topracfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.