We are hiring! If you have grit, grace, and a love for helping families, lets talk!
About Us
Gracefully Leading You to Financial Wellness
Hi, I’m Rachel Conklin, the heart behind Grit & Grace Financial. I’m a Virginia girl who feels most at home outdoors—whether I’m hunting, fishing, off-roading, or just soaking in the quiet beauty of nature. That same love for the outdoors inspires the way I serve my clients: grounded, steady, and focused on helping families grow and thrive in every season of life.
I specialize in life insurance, wealth building, tax-free retirement strategies, debt elimination, and generational wealth planning. Whether you’re looking for your very first policy or building a long-term legacy for your children or grandchildren, I’m here to guide you with clarity, education, and compassion. I'll help you design a plan that fits for birth, death, and everything in between!
While I’m based in Virginia, I proudly help clients virtually across the United States, making financial confidence accessible no matter where you live. And if you ever see a little furry face pop onto the screen—don’t worry—that’s just Peanut, my self-appointed boss and frequent coworker.
My passion runs deeper than numbers and policies. I am committed to breaking generational stigma around money, empowering families to rewrite their financial story, and showing communities that financial wellness isn’t just for the wealthy—it’s for everyone. No client is too small, and no dream is too big.
With grit, grace, and a whole lot of heart, my team and I are here to help you protect what matters, build what lasts, and step confidently into your future.
Services
Life Insurance
`Wealth Building & Retirement Protection Strategies
`Wealth Building & Retirement Protection Strategies
Life insurance is more than a policy—it’s a foundation for peace of mind. It helps protect your loved ones, replace income, cover final expenses, and provide financial stability when it’s needed most. Many policies also offer living benefits, allowing you to access funds during your lifetime for qualifying health events. Whether you’re j
Life insurance is more than a policy—it’s a foundation for peace of mind. It helps protect your loved ones, replace income, cover final expenses, and provide financial stability when it’s needed most. Many policies also offer living benefits, allowing you to access funds during your lifetime for qualifying health events. Whether you’re just getting started or planning for the future, life insurance can be a powerful tool to protect today and build for tomorrow.
I've partnered with the Top A Rated Carriers to ensure I can help you build a plan that fits your need, goals, and budget- without you having to do the shopping around!
`Wealth Building & Retirement Protection Strategies
`Wealth Building & Retirement Protection Strategies
`Wealth Building & Retirement Protection Strategies
Many people worry they won’t have enough for retirement—or that they’ve started too late. You’re not alone, and you’re not out of options.
At Grit & Grace Financial, we help individuals and families build financial confidence and long-term stability using proven wealth-building strategies designed to protect your money, reduce risk, and c
Many people worry they won’t have enough for retirement—or that they’ve started too late. You’re not alone, and you’re not out of options.
At Grit & Grace Financial, we help individuals and families build financial confidence and long-term stability using proven wealth-building strategies designed to protect your money, reduce risk, and create income you can count on—no matter where you’re starting from.
Whether you feel behind, unsure, or simply want a second opinion, we meet you where you are. Our goal is to educate you, simplify your options, and help you build a plan that works for your life—not just on paper.
We offer free retirement reviews to help you understand what you have, what you may be missing, and how to move forward with clarity and confidence.
Debt Free Life
`Wealth Building & Retirement Protection Strategies
Leaving A Legacy
Are you overwhelmed by your current debt? Grit & Grace Financial can help!
Learn how to eliminate debt—including your 30-year mortgage—in as little as one-third of the time, often without spending any more than you already are. At the same time, we help you build a secure, confident plan while building your nest egg—so you’re not left wo
Are you overwhelmed by your current debt? Grit & Grace Financial can help!
Learn how to eliminate debt—including your 30-year mortgage—in as little as one-third of the time, often without spending any more than you already are. At the same time, we help you build a secure, confident plan while building your nest egg—so you’re not left wondering if you’ll have enough in those unforeseen circumstances. Once you’re debt-free, your money can be leveraged to self-finance future purchases- such as a wedding, education, or car, without out having to get approved by the bank or unnecessary interest rates!
The strategy also provides a secure, protected asset that may offer safeguards from creditors and lawsuits, while including living benefits and built-in protection for life’s unexpected moments. All of this is designed to support long-term stability, confidence, and a future you don’t have to second-guess.
Leaving A Legacy
`Wealth Building & Retirement Protection Strategies
Leaving A Legacy
The Rockefeller family is often cited as one of the greatest examples of generational wealth—not because of how much money they made, but because of how they structured, protected, and educated future generations about it.
Their approach focused on long-term thinking: creating systems that provided liquidity, protection, tax efficiency, a
The Rockefeller family is often cited as one of the greatest examples of generational wealth—not because of how much money they made, but because of how they structured, protected, and educated future generations about it.
Their approach focused on long-term thinking: creating systems that provided liquidity, protection, tax efficiency, and lifetime income, while preserving assets for children, grandchildren, and beyond. Rather than relying solely on market-based investments, they emphasized strategies that could weather economic changes and support family values over generations.
At Grit & Grace Financial, we apply these same foundational principles—adapted for everyday families—so wealth isn’t just accumulated, but protected, purposeful, and sustainable for generations to come.