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Rachel Carter

ChFC® C(k)P® CPFA® NQPC® CRPS® RICP®

Retirement Plan Consultant

After more than 20 years in the financial services industry, Rachel Carter joined mFORCE Capital to continue her lifelong mission of making a difference—one retirement plan at a time.

At mFORCE, Rachel brings her signature approach: retirement plans aren't just about finance—they're about people's lives. She partners closely with businesses to design, benchmark, and improve 401(k), cash balance, (defined contribution and defined benefit plans), while providing participant education and fiduciary consulting. She stays deeply engaged with the latest legislative and policy developments, ensuring her clients' plans stay ahead of the curve in an evolving regulatory landscape.

Committed to continual learning, Rachel holds several key professional designations, including Chartered Financial Consultant® (ChFC®), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor® (CPFA®), Nonqualified Plan Consultant® (NQPC®), Chartered Retirement Plans Specialist® (CRPS®), and Retirement Income Certified Professional® (RICP®). She also maintains FINRA Series 7 and 66 licenses.

When she's not serving clients or advocating for retirement policy, Rachel channels her creativity into photography, specifically in the hospitality and travel space. Her love of exploration has taken her around the world—from studying photography in Italy at 19 to more recent adventures across Greece, Turkey, Israel, South Africa, The Netherlands and the continental US. Through her lens and her work, she’s always focused on inspiring others to see new possibilities.

With a deep understanding of the corporate plan space, Rachel brings not only technical expertise, but also a passion for education, connection, and service.

Rachel’s heart for service and her drive to create positive impact are at the core of everything she does—whether she's building retirement plans, mentoring through photography, or simply finding new ways to make a difference.

accolades

NAPA's Top Retirement Plan Advisors Under 40 – 2023

NAPA's Top Retirement Plan Advisors Under 40 – 2024

Results not guaranteed. Individual experience may vary.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Advisor. mFORCE Capital is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

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