Helping Middle-Class Families Build a Financial Life They Can Be Proud Of
I’m Rich McCormack, CFP®, RICP®, fiduciary, educator, and founder of School of Personal Finance. I help real families create clarity, confidence, and a plan that actually works.
Qualifications
Experience You Can Trust
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CERTIFIED FINANCIAL PLANNER™ professional
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RICP® Designation - Retirement Income Certified Professional®
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Founder of School of Personal Finance
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Registered Investment Advisor in New York
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20+ years of experience helping families plan, invest, and build financial security
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Host of the School of Personal Finance YouTube Channel (70,000+ subscribers)
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Creator of courses, tools, and training for middle-class families
How I Work with Clients
Real Advice, Real Planning, Real Support
I don’t take a one-size-fits-all approach. Every family’s financial life is different — income, expenses, goals, and challenges.
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That’s why I offer multiple ways to work together:
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1. Investment Management (AUM Fee Schedule)
For families who want full-service financial, tax, and estate planning along with portfolio management.
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2. The Successful Middle Class Money Club ($999/year)
A planning membership for families who want structure, education, and accountability without high fees.
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3. Hourly Planning is ($250/hour)
For one-time plans, targeted questions, or specific challenges.
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4. Retainer Planning ($3,000/year)
Ongoing planning, coaching, and accountability year-round.
My job is simple: help you understand your money, make smart decisions, and stay on track.
Why I Started
School of Personal Finance
For more than 20 years, I’ve worked with families who earn good incomes but still feel financially stuck. Between mortgages, kids’ activities, college savings, and rising costs, the middle class often feels overwhelmed — and traditional financial advice doesn’t always meet them where they are.
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Many advisory firms only want high-net-worth clients. Many budgeting programs ignore long-term planning. And most families are left to piece things together alone.
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I started School of Personal Finance to change that.
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My mission is simple:
Make high-quality financial guidance accessible to real families — without sales pitches, without judgment, and without jargon.
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Today, I work with successful, hard-working, middle-class parents to help them build realistic budgets, invest the right way, prepare for retirement, save for college, save on taxes, and create a path toward long-term security.
A Little About Me
I live in Westchester, NY with my wife, Karen, and our three kids — Ryan, Kassidy, and Mason. Outside of work, I love basketball, family trips, and helping my kids navigate school, sports, and life (which often inspires the topics I teach).
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I understand firsthand the financial pressures parents face. That’s why I’m passionate about helping families find balance, reduce stress, and feel confident about their future.
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I truly believe everyone needs a basic understanding of personal finance, along with a clear plan to reach financial freedom and live the life they have always dreamed of. If you would like to learn more about how I might help you, book a 20-minute intro call below.
