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®, CPWA®, MBA

Fee-Only financial planner located in Northern 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, monthly subscription planning, and investment management to help young professionals, divorcees, and widows organize, grow and protect their assets through life’s transitions. 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 millennial women simplify their financial lives.

It is my mission to give women access to expert financial advice they need and deserve, even if they don’t meet typical account minimums.

In order to provide more comprehensive advice to my clients, I have earned the Certified Financial Planner®Certified Divorce Financial Analyst®, and Certified Private Wealth Advisor® designations. I also have 2 masters degrees: an MBA in Finance and a Masters in Personal Financial Planning, in addition to Bachelors in Business Administration. I'm a member of the XY Planning Network, the National Association of Personal Financial Advisors, and the Sacramento Financial Advisors Network.

I volunteer my time 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 relaxing at home with my husband and twin toddler boys.

I would love to help you along your financial journey. Schedule a free intro call now to see if we're a good fit. Or, if you're not quite ready to schedule a call, keep in touch by signing up for my email list. Get my latest money tips, blog posts, and other exclusive content sent right to your inbox. 

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 was founded with three simple goals:

  1.  To help women get on track to achieve their goals and dreams.
  2.  To help them feel confident and empowered when it comes to their finances.
  3.  To give them access to the expert financial advice they need and deserve.


My Core Values

  • Approachable– I speak in plain English, avoid technical jargon and won’t bore you with charts and spreadsheets.
  • Empathy– I offer a safe place to talk about money with no judgement or shaming, and help manage the impact emotions have on your finances.
  • 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.


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


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

Ideal Clients

  • Millennial Women
  • Divorcees
  • Widows
  • Young Professionals
  • Novice Investors

Working Together

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

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.

  • CPWA - Certified Private Wealth Advisor
    Rachael Burns is a Certified Private Wealth Advisor ® (CPWA®)

    The CPWA certification is an advanced professional education and certification for advisors who provide the breadth of specialized skills required to meet the needs of high-net-worth clients. This certification requires advisors to develop advanced knowledge and skills to address the wide range of complex issues faced by wealthy individuals and families, including portfolio strategies, wealth transfer, family dynamics, risk management, asset protection, closely-held business ownership, charitable giving, estate planning, retirement planning, and more. Fewer than 1% of financial advisors have achieved the CPWA certification.

Contact Rachael Burns

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Office Locations:

  • By Appointment
    and Virtual
    Folsom, CA 95630

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