TopRac Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
5
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
5
Very LowAverage account size
$0
About
TopRac Financial LLC provides fee-only financial planning to individual clients, including high-net-worth individuals, primarily through virtual meetings and electronic communication. The firm delivers written financial plans that address topics such as cash flow, retirement, tax strategies, estate considerations, and investment analysis, but it does not custody or directly manage client investment accounts.
In its recommendations, the firm generally favors long-term, passive strategies grounded in Modern Portfolio Theory and commonly recommends mutual funds, exchange-traded funds, stocks, and bonds where appropriate. Advice is provided on a non-discretionary basis—clients retain responsibility for implementation—and follow-up services such as implementation assistance or periodic reviews are available separately and billed on a time- or fixed-fee basis.
Distinctive aspects of the firm relative to many peers are that it does not provide portfolio management services and does not charge percentage-of-assets-under-management fees, instead relying on planning fees and time-based arrangements. The practice also emphasizes low barriers to engagement (no minimums), a primarily virtual delivery model, and an affiliation with the Garrett Planning Network that aligns with its fee-only, client-directed planning focus.
Client services
Financial planning
Expertise
General retirement planning
General tax planning
Charitable giving & philanthropy
Cash flow / budgeting
Debt management
Fee options
$210 per hour
Fee-only: Financial Planning Services charged at $210 per hour; fees based on estimated time to complete plan multiplied by hourly rate; fees typically paid in three installments (10% deposit, 45% mid-point, 45% final delivery)
Main office location
TopRac Financial LLC
Cypress TX, United States
Number of offices
1
Most active in
TopRac Financial LLC has reported serving >5 clients in these states in the last 12 months.
Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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