Rachael Smith
TopRac Financial · Cypress, Texas
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.
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Specialties
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 |
| Credentials | ChFC |
| SEC registration | Investment adviser representative in TX · CRD 8052045 |
| Exams passed | Series 65 (2025) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | topracfinancial.com |
| Profile |
How Rachael's firm compares
- A one-time plan starts at $840, below the Texas median of $1,575 for fee-only firms that publish prices.
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Questions about Rachael
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Cypress
Other advisors in Texas who focus on retirement planning
Where this information comes from
- SEC adviser records : 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
- TopRac Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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