TopRac Financial

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…