Rachael Burns


True Worth Financial Planning

Founder, Financial Planner

Rachael Burns


True Worth Financial Planning

Founder, Financial Planner

As a fee-only financial planner, my goal is to help you balance your abundant life today with your goals and dreams for tomorrow. - Rachael Burns, CFP®, CDFA®, MBA

Fee-Only financial planner located in Folsom, California, serving clients virtually all across the country

Rachael Burns is a Folsom, CA fee-only financial planner. True Worth Financial Planning provides comprehensive financial planning and investment management to help women organize, grow and protect their finances through life transitions like divorce or death of a spouse. As a fee-only, fiduciary, and independent financial advisor, Rachael Burns is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

I’m Rachael Burns, and I help newly single women achieve financial independence after the loss of their partner to death or divorce.

Through my own personal experiences navigating grief and finances, I found my calling — to support and empower other women during the most challenging transitions of their lives.  

I volunteer with Family Reach, providing pro bono financial planning to families affected by cancer. I also donate my time mentoring and coaching financial planning students at my alma mater, Sacramento State.

In my downtime, I enjoy trying out new Pinterest recipes, exploring local wine country, and chasing after my twin toddler boys.

Schedule a free intro call now to explore how we can work together to empower your financial future.

Rachael Burns is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

True Worth Financial Planning offers customized financial planning and investment management, tailored to the unique needs and goals of divorcees and widows.

I founded True Worth after spending 12 years working for some of the most prestigious wealth managers (Morgan Stanley, Merrill Lynch), advising hundreds of high-net worth families. I learned the lessons, habits, and values that led these families to their wealth, and I was eager to share these insights with other women like myself. However, the companies I worked for set six-figure account minimums, which essentially excluded anyone who hadn't already achieved financial success.

I came across so many women in the earlier stages of their financial journeys, who desperately needed help but didn't qualify for it. Many of them were newly single and managing their own finances for the first time after a divorce or death of a spouse. My mission was to make expert financial advice accessible to women when they need it most, which led me to found True Worth Financial Planning.


My Core Values

  • Empathy– I offer a safe, comfortable space to talk about money with no judgement or shaming.
  • Empowerment– You have all the tools you need to be successful. I’m here to teach you how to use them.
  • Integrity– As a fee-only planner, I do not receive commissions or other incentives to recommend any particular products or solutions.
  • Transparency– Fees are explicitly stated on the Menu of Services. Any adjustments for complexity will be discussed before you sign up.
  • Accessibility– There are no minimums to work with me. I can meet virtually with you wherever you are.


Schedule a free intro call now to explore how we can work together to empower your financial future.


Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Divorce Planning
  • Budgeting & Cash Flow
  • Investment Management
  • College Education Planning
  • Tax Planning
  • Retirement Planning
  • Insurance Needs Analysis
  • Employer Benefits

Ideal Clients

  • Women in their 30's and 40's
  • Divorcees (before, during or after divorce)
  • Widows

Working Together

  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation
  • One-time Financial Plans
  • Ongoing Planning Subscriptions

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Rachael Burns is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • XY Planning Network
    Rachael Burns is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Certified Financial Planner (CFP)
    Rachael Burns is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Divorce Financial Analyst
    Rachael Burns is a Certified Divorce Financial Analyst® (CDFA®)

    A CDFA® professional is a financial professional skilled at analyzing data and providing expertise on the financial issues of divorce. The role of the CDFA® professional is to assist the client and his or her attorney to understand how the decisions he or she makes today will impact the client’s financial future. A CDFA® can take on many roles in the divorce process: Financial Expertise and Strategy, Data Collection and Analysis, Expert Presenter and Litigation Support. In some cases, CDFA® professionals are called upon to act as expert witnesses in court or in mediation proceedings.

Contact Rachael Burns

Please enter your name
Please enter a valid 10 digit US phone number in the format xxx-yyy-zzzz
Please enter a valid email address
Please leave a message for the advisor.
Clear Form
Please verify that you aren't a robot.
There was an issue sending your message. If this issue persists, please contact support.
Message Sent! Your message info will be displayed in other advisor contact forms to make it easy to send to multiple advisors. We do not share your message content beyond the advisors you choose.

Office Locations:

  • 705 Gold Lake Drive Suite 250
    Folsom, CA 95630

Outdated Browser Detected!

If you're seeing this message, it's because the web browser you're using to access our site is much older and no longer supported. Due to privacy and safety concerns, we don't allow older browsers to access our site. In order to access WhyFiduciary.com, please use a newer browser, like Internet Explorer 10 or above, Google Chrome, or Mozilla Firefox.

Download a newer browser