Rachael Conroy is a Managing Director and Partner at EF Financial, where she works with individuals, families, and employers to build thoughtful, values-driven financial strategies. With over 30 years of experience in retirement and financial planning, Rachael brings deep expertise and a steady, trusted perspective—helping clients navigate complex financial decisions with clarity and confidence.
A central focus of Rachael’s work is empowering women to take a more active and confident role in their financial lives. She is passionate about helping women build, manage, and preserve wealth—encouraging them to invest with intention, embrace appropriate risk, and take ownership of their financial independence.
In addition to her work with individual clients, Rachael leads the firm’s Employer Retirement Services practice, advising businesses on plan design, fiduciary oversight, and participant education. She partners closely with employers to create retirement plans that are not only compliant, but truly impactful for their employees.
Prior to joining EF Financial, Rachael was an Investment Consultant at Fidelity Investments, where she helped clients navigate complex investment strategies and long-term financial planning decisions.
Rachael is deeply committed to aligning her work with her values. She is an advocate for women’s advancement and socially responsible investing, and she believes financial planning should be both empowering and accessible.
At her core, Rachael is a problem-solver who approaches her work with both discipline and heart. And, as her mother taught her, she embraces laughter whenever possible—no matter what life brings.
Her most important role, however, is being “Mom” to her three children, Luke, Will, and Casey—her greatest inspiration. When she’s not working or with her family, you can often find her on the pickleball court—a recent passion that keeps her active, competitive, and connected with friends and community.
Rachael is a graduate of Bryant University with a BA in Business Management. She holds her Series 7, 63, and 65 licenses through LPL Financial, is an Accredited Investment Fiduciary® (AIF®), and is also licensed in insurance.