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Rachel E. Carter

Advocacy

Many of my life choices have been driven by a desire to change lives and make a difference. Whether it is empowering employers and employees to understand their retirement benefit options, or teaching someone a new skill in photography, the most rewarding feeling comes from creating a positive impact.

rachel carter employer retirement plan expert, 401k, cash balance plans and photographer

Decades of Dedication

For over two decades, I have immersed myself in the world of financial services. With a special focus on employer-sponsored plans, I discovered my true passion in the corporate plan space. From my beginnings working alongside my mom in the industry, to now joining forces with her again after 17 years, I have witnessed the evolution of finance; spending a decade at a wirehouse and now flourishing as an independent broker.

Tailored Retirement Plans

With a commitment to your corporate team and goals, I bring a wealth of passion and expertise to the table. My dedication goes beyond conventional practices — I stay ahead of the curve by closely monitoring the latest legislation, ensuring that your retirement plans benefit from the most current insights and strategies. With me, you gain not just a consultant, but a trusted partner in crafting tomorrow’s retirement benefits for your organization.

Passion Beyond Finance

Beyond the world of finance, I am also a professional photographer in the hospitality and travel space. Through my photography, I aim to inspire and educate individuals about the art of photography, fostering a deeper love for exploration and creativity!

An Explorer at Heart

Driven by a love for exploration, I lived in Italy at 19, taking photography courses at an art school and immersing myself in the beauty of a different culture. Last year, my adventures took me to Greece, Turkey, Israel, and South Africa, complemented by multiple trips within the continental United States.

Through my travels, I gather inspiration and add new stories to my life’s journey — enriching both my personal and professional perspectives.

Credentials

Rachel holds the designations of Chartered Financial Consultant® (ChFC®), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor® (CPFA®), NonQualified Plan Advisor® (NQPA®), Chartered Retirement Plans Specialist® (CRPS®), Retirement Income Certified Professional® (RICP®).

FINRA licenses: Series 7, 66

Awards

• 2024 NAPA’s Top Plan Advisors Under 40
• 2023 NAPA’s Top Plan Advisors Under 40

NAPA Top Retirement Plan Advisors Under 40, created by National Association of Plan Advisors. Based on self-reported data gathered from previous year. Approximately 600 NAPA Plan Advisors considered, 100 recognized. Not indicative of advisor’s future performance. Your experience may vary.


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Get your Free report

Just 15 Questions to Assess Your Plan’s Health

This quick 15-question quiz checks the health of your 401(k) plan, covering areas like fees, governance, and participant support. You’ll get a personalized report with simple, actionable tips to make your plan stronger and reduce risks.

take the quiz now!

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Registered Representatives of Sanctuary Securities, Inc. and Investment Advisor Representatives of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC, an SEC Registered Investment Advisor. 401k Plan Advisor LLC is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

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    • How Confident Are You in the Health of Your 401(k) Plan?
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