Rachel Moran is the Vice President of Personal Wealth Management and a Senior Wealth Advisor at RTD Financial. With a passion for providing comprehensive and unbiased advice, she is dedicated to helping her clients align their financial goals with their personal values. Specializing in working with pharmaceutical executives, Rachel has a deep expertise in the benefit programs at companies like Johnson & Johnson, BMS, and Merck. She also takes great pride in working with single women, serving as a trusted advisor and advocating to help them navigate financial decisions with confidence.
Rachel graduated Magna Cum Laude from Virginia Tech with a Bachelor of Science degree in Finance. She is a CERTIFIED FINANCIAL PLANNER™ professional and earned a Master’s in Taxation from Villanova University’s Charles Widger School of Law. In 2016, Rachel was named one of InvestmentNews’ “40 Under 40”. In 2018 she was named one of “Ten Young Advisors to Watch” by Financial Advisor Magazine and was awarded “Rising Star” by InvestmentNews’ Women to Watch. A thought leader in her profession, Rachel has been quoted in InvestmentNews and published in the Journal of Financial Planning.
Rachel is an active member of the Financial Planning Association, and formerly served as NexGen National President. She was instrumental in forming a NexGen community within the Philadelphia Tri-State Area, where she served as the local Director for three years. In addition to her leadership within the industry, Rachel serves on the development committee for Women Against Abuse, Philadelphia’s leading domestic violence advocate and service provider.
Rachel lives in Fairmount with her husband, Sean, daughters, Audrey and Emma, and dog, Lane. She enjoys spending time with family, playing ice hockey, cheering for the Eagles and Flyers and exploring Philadelphia’s restaurant scene.
Read Rachel’s article: Maximizing Retirement Benefits: A Deep Dive into Johnson & Johnson’s Pension Plans
Getting to know Rachel
What do you enjoy most about working at RTD?
Our clients! I really enjoy the relationships we’ve built with our clients. Our partnership results in spirited collaboration, working towards a common goal. We’re genuinely invested in our clients’ success; it’s so rewarding to celebrate their accomplishments and see them living out their best lives.
What makes you good at what you do?
Above all else, I think my caring nature and passion for helping others is what makes me a great financial planner. I strive to develop meaningful relationships with my clients based on trust and shared respect, providing compassionate guidance when it matters most.
What’s the best piece of advice you’ve received?
Get comfortable being uncomfortable! I’m always trying to push myself outside my comfort zone. I have high expectations for myself; personal growth is very important to me.
What professional accomplishment are you most proud of?
While serving as NexGen President, I led a taskforce to plan our annual conference, NexGen Gathering, in Naperville, IL. I’d previously attended the conference and it had a tremendous impact on my career; I was thrilled to recreate the special experience for over 140 attendees.
What did you want to be when you were growing up?
Growing up, I wanted to be a Veterinarian. My first job was actually at PetSmart. In high school, I had aspirations of becoming a race car driver, as evidenced by a few speeding tickets. While I think financial planning suits me, I still love dogs and fast cars!
What’s the most exciting vacation you’ve taken?
In 2019, my husband and I took a trip with our close friends to Sedona, the Grand Canyon and Zion. We each rented a CamperVan and set off for a week-long adventure through Arizona and Utah. The hikes and scenery were incredible, and oddly enough, living out of a van for a week wasn’t too bad either!
Professional Designations & Memberships
Featured Articles
Preparing Financially for the Birth of a Child
Whether you’re pregnant, a new parent, or simply considering starting a family, there’s much to consider when planning for the arrival of a new baby. It’s no secret that kids are expensive, but with a little planning, you can feel confident and prepared for this big adventure! We’ve identified a few considerations below, broken out […]
Webinar: Maximizing the Post-Tax Value of your Inheritance Following the SECURE Act
Overview Rachel Moran and Brent Zackon discuss changes in the distribution of IRAs inherited by non-spouse beneficiaries following the SECURE Act and present a case study designed to demonstrate the impact of utilizing Roth Conversions to increase a beneficiaries’ post-tax inheritance. Watch this webinar if you’re interested in learning about the following: The impact of […]
The RTD Financial Charitable Fund
After formally declaring Corporate Social Responsibility (CSR) as one of our firm’s esteemed Core Values, we decided it was only appropriate to establish a Donor Advised Fund, using a portion of our profits to direct funds to worthy organizations. We established the RTD Financial Charitable Fund to make a meaningful impact in our communities through […]
Unwinding Timeshares
While timeshares can offer access to an exciting vacation destinations, they often lose their luster and benefits go underutilized. So, what happens when you want out? Unfortunately, timeshare contracts can be difficult to unwind, and additional complexity arises in determining what will happen to the timeshare upon your passing. What happens if I pass while […]
Understanding the SECURE Act
On December 20th, a significant piece of retirement planning legislation was quietly passed into law, incorporated into the spending and tax extenders bill. The Setting Every Community Up for Retirement (SECURE) Act is focused on aiding Americans’ ability to save for retirement. It seeks to address flaws in the system which have contributed to the […]
Aging Well Series – Recognizing and Preventing Elder Abuse
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Aging Well Series – Housing Options for an Aging Population
Welcome to RTD Financial’s Aging Well Webinar Series. The third installment in our series features Metta Johnson of Metta Johnson and Associates, presenting “Housing Options for an Aging Population”. Overview Dynamics of aging Housing options Range of costs What to expect with each housing option Housing Options for an Aging Population Continuing Care Retirement Community […]
Aging Well Series – Medicare
Welcome to RTD Financial’s Aging Well Webinar Series. The first installment in our series features Tracy Russo of HTA Financial, presenting “Medicare – Everything You Need to Know, But Didn’t Think to Ask”. Tracy discusses the following: Important Timeframes How and when to apply for Medicare, or change carriers Open Enrollment, Guaranteed Issue Periods, and […]
Should I Opt for an HSA?
A Health Savings Account (HSA) is a tax-advantaged medical savings account. Unlike a Flexible Spending Account (FSA) which is “use it or lose it,” an HSA allows you to save and invest your balance for current and future medical expenses. The money in an HSA rolls over each year and there are no required distributions […]
Social Security – When Should You Begin Benefits?
Close to 90% of Americans commence social security before their full retirement age. There are a multitude of reasons that can affect when you choose to receive benefits – some involuntary; for example a current financial need or health issue. Perhaps you’re simply of the camp hoping to “take it while you can!” Based on […]
Three Options for Financing your Home Renovation
Renovating your home is a great way to increase your equity and improve your current quality of living! Depending on your situation, you have a few options in financing these upgrades. Home Equity Loans – You may be eligible for a second mortgage based on your existing home equity. Home equity loans are paid in […]