You have insurance.
But do you know what it actually covers?
Most people buy a plan or two and never look again. I help you find the gaps before life does.
Most people I meet are not careless with money. They're busy.
They bought a policy years ago because a friend or a relative was starting out. They set up a savings plan before the kids came along. They've been meaning to look at it properly for a while now.
Then priorities change. A baby arrives. A parent falls ill. A business takes off, or takes a hit. The plan you bought at 26 is quietly still sitting there, doing a job you no longer need it to do.
Having plans isn't the same as being covered. That's the gap I look for.
Hi, I'm Rachel.
I became a financial planner after a stretch I don't talk about often: nearly six months with no income, watching the same monthly bills come in anyway.
Nothing dramatic happened. No accident, no illness. And still, it was frightening — because I understood for the first time how quickly "we're fine" becomes "how long can we hold out?"
That's why I do this work the way I do. I'm not here to sell you a product and disappear. I'm here to look at what you already have, tell you honestly what's working and what isn't, and help you build something that holds up when life doesn't go to plan.
I've been advising for two years. What I lack in decades, I make up for in how closely I listen and how carefully I review. Most of my clients came from someone who trusted me first.
Read my full story →Four areas, one goal.
Wealth accumulation
Putting idle money to work, so your savings aren't quietly losing value.
Wealth protection
Making sure one bad year doesn’t undo ten good ones.
Planning with children
Education, milestones, and the long runway that starts the day they’re born.
Estate & legacy planning
Deciding who gets what, when, and with as little friction as possible.
A process, not a pitch.
A conversation, not a pitch.
Coffee or a call. You tell me what you’re worried about, what you’re already doing, and what you want life to look like in ten years.
A proper review.
I go through what you already own — every policy, every plan — and show you plainly what each one does, what it costs, and whether it still fits.
A plan you actually understand.
No jargon, no 40-page report you’ll never open. Clear steps, in order of what matters most.
Regular check-ins.
Your life changes. Your plan should too. I’ll come back to you, not wait for you to call.
- I’ve felt it. Six months without income taught me what “emergency fund” really means.
- I review before I recommend. Often the best advice is to keep what you have.
- I say no. If you don’t need it, I’ll tell you.
- I explain until it makes sense. If you can’t explain your plan to your spouse, I haven’t done my job.
- Clients refer me. That’s the part I’m proudest of.
"I thought I was well covered because I had four policies. Rachel showed me two of them overlapped and one didn't cover the thing I was most worried about. She fixed it without me spending more."
— Client, father of two
"I'd been sitting on cash for years because I didn't know where to start. We started small, she explained everything, and now I actually check on it because I understand it."
— Client, business owner
Let's start with a conversation.
No cost, no commitment, no pressure to buy anything. Just an honest look at where you stand.
Get in touch