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After a major loss —whether through divorce or widowhood— you're suddenly expected to make huge financial decisions in the middle of emotional upheaval. And with no clear path forward, it’s hard not to worry.

You want to feel secure. To know you’re making the right choices. But so many questions remain unanswered. Will my money last? How do I invest it to keep it safe? Where will my income come from? Will I have to go back to work? The fear of losing the lifestyle you’ve grown to love feels paralyzing.

The financial uncertainty is overwhelming, but you don't have to navigate it alone.
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When everything changes, where do you begin?

GET TO KNOW ME

I help divorcees and widows confidently manage their wealth to create a sustainable lifestyle they can depend on.

Let’s focus on what matters most—building a solid plan to invest your money, creating a steady income stream, and giving you the clarity and confidence to move forward.

Together, we’ll make sure your finances give you the security and control you need to build a future and lifestyle you’ll truly love.

FOUNDER + FINANCIAL PLANNER

HI, I'm RACHAEL

I'm so glad you're here.

PROUD MEMBER OF THE FOLLOWING NETWORKS & ASSOCIATIONS

Top Financial Advisors in Folsom

Personally called to care about your future & wellbeing. 

Certified Financial Planner ®
Certified Divorce Financial Analyst ®
MASTERS IN BUSINESS ADMINistration
masters in PERSONAL FINANCIAL PLANNING

PROFESSIONALLY QUALIFIED TO CARE FOR YOUR FINANCES…

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Finances are the last thing you want to deal with when you're overwhelmed with grief. I'll guide you through the critical actions to secure your financial future.

SERVICES FOR

Divorce changes everything, but your lifestyle doesn’t have to suffer—we’ll create a plan that supports your next chapter.

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SERVICES FOR

Whether or not the end of your marriage was your choice, you’re looking to regain your financial independence and ensure stability going forward.

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DIVORCEES

SERVICES FOR

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You’re overwhelmed with grief. Your finances are the last thing you want to deal with, but there are critical decisions that have to be made now.

Widows

SERVICES FOR

Through our partnership, you'll build confidence, achieve financial independence, and move into your next chapter with dignity and stability. With expert guidance, managing your finances becomes far less overwhelming—and far more empowering.

Renewed Confidence & Hope for the Future

#3

Your story and needs are unique. We’ll evaluate where you are in your journey, clarify what you’re trying to achieve, and create a customized action plan to get your finances on track.

Financial Advice Tailored to Your Specific Needs 

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My top priority is ensure you feel understood and supported. I provide a welcoming, judgment-free space for you to freely express your financial goals and concerns. With True Worth on your team, you no longer have to do it alone.

A Trusted Ally & Financial Confidant

#1

WHAT YOU’LL RECEIVE BY WORKING WITH ME

SCHEDULE FREE strategy session

YOU’RE ONE STEP AWAY FROM THE SUPPORT YOU DESERVE.

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I am a Certified Financial Planner® and Certified Divorce Financial Analyst® based in Granite Bay, California. I help divorcees and widows manage their wealth to support a sustainable lifestyle they enjoy today and can feel secure about tomorrow.

A PERSONAL WELCOME

from Rachael

"I wish I had been made aware of Rachael at True Worth years ago. She is smart, funny, knowledgable, pro-active, returns texts and emails quickly, and clearly shows an interest in my financial well being. No matter how ridiculous my questions are, her responses have never made me feel stupid."

DEBORAH N.

"Rachel is the reason that I place my trust in True Worth Financial Planning. I am completely confident in telling Rachel what is important to me. Rachel has mastered the art of being warm and professional at the same time. I am grateful to have found her."

JOEY K.

CATHY M.

"It has been a real pleasure and a great benefit to work with Rachael and to have her advice about financial planning. She is knowledgable, sincere, and responsive. I'm grateful to have her in my corner!"

KIND WORDS FROM CLIENTS