Freedom to enjoy what you've earned


Call us TODAY (910) 915-4611

If you are facing any of these financial issues,
we can help you establish a personal financial plan.



You don't have a monthly financial plan



You don't understand your credit report



You're depending on credit cards



You've never calculated your net worth



You're living paycheck-to-paycheck



You don't have an emergency fund



About Us



Personal Financial Change empowers you to create the economic freedom that you desire. Whether you’re single, married, serving in the military or a single parent, you may need help with leveraging the principles of personal financial management. We're here to help you enjoy what you've earned.

We’ve been where you are. We understand the unique challenges individuals face. Cookie cutter solutions won’t work. We will show you the strategies you need to ensure you are prepared for whatever life brings you. Your income can manage you - or you can manage your income.

Our mission is to ensure you succeed.



Rachel Gerald, Founder



Financial Manager



Rachel Gerald is a personal finance manager who is dedicated to educating the masses in money management especially personal finance. A retired Master Sergeant in the United States Marine Corps as of 2017 and current co-owner of Personal Finance Change, LLC, Rachel holds a business administration degree with a concentration of finances from the University of North Carolina Wilmington. Rachel overcame her own struggles with money management and has forever broken the financial generational curse within her own family.


Amongst her many accomplishments, Rachel graduated with Zero student loan debt and paid off over $179,625 of consumer debt as of March 13, 2015 just before retiring from the Military. Since then she has set new financial milestones for herself which will soon be accomplished. With this acquired knowledge in personal financial management and goal setting, Rachel aspires to educate and empower others to reach their financial goals.


Besides being a full-time and loving wife, mother and grandmother, Rachel is actively involved in her community as a Board Member for two local nonprofits and is an itinerant speaker at municipal financial functions within her residing city of Jacksonville, NC.



Antonio Carter, Co-Founder



Financial Manager



Antonio Carter is a self-proclaimed crusader in financial knowledge. As co-owner of Personal Financial Change, LLC, his devotion to changing the lives of others through his acquired knowledge of finance knows no ends.


Being able to restore his personal finances with the very same principles he now shares with others, Antonio heralds the message that it is possible for anyone and everyone to be debt free. A Lance Corporal (E-3) in the United States Marine Corps, Antonio has defeated many financial feats including paying off just under $90k in debt. Connecting with Rachel showed him the ability to create a budget and thus build a life of proper financial management that would prove prosperous for he and his family.


Antonio currently lives consumer debt free with his wife and 3 children in Clayton, NC. He is currently setting new financial milestones including paying off his home in record time. Antonio serves in his community as a personal finance advisor creating budgets and educating others to become debt free with what they have.



Services





Consultation Services



  • Financial Plan (Monthly/Annual)
  • Allocated Spending Plan
  • Debt Payback Plan
  • Credit Report Analysis
  • Security Clearance Financial Analysis




Classes & Workshops



  • Credit Report Class
  • Investing Basics Class
  • Financial Preparation for Homeownership Class
  • Financial Plan Workshop
  • Debt Payback Workshop
  • Asset Protection/Life Insurance Class​
  • Money Management Seminar




As Featured On:



I am a single mother who works full time as a Clinical Medical Assistant. Over the years I have accumulated a mountain of debt. Even though I had money in the bank, as a single mother, I would try to hold on to the money I had saved up for security. I would use various credit cards and utilize them to pay for everything I needed. In addition to that, I purchased a new vehicle. In January 2018, the harsh realization that I had accumulated over $27,000 worth of debt became too overwhelming! There was no room for emotional peace in my life and I experienced many sleepless nights. I constantly prayed for God to relieve me of my debt.

In August 2018, I attended a Financial Peace University class facilitated by Rachel Gerald. It was at that moment I began my journey to becoming “debt free” and entering into “financial peace”. In September 2018, I completed Baby Step 1 by having an emergency startup fund. I’m currently on Baby Step 2 and I’m paying off all non-mortgage debt using the debt snowball and sticking to my monthly budget. It has definitely been a struggle remaining disciplined to my monthly budget. However, having Rachel as my financial manager and having a support system after FPU was over, I was able to pay off ALL my credit cards by January 2019.

As I approach my one year anniversary in starting my journey to financial peace, I have paid off a total debt of $15,557.86. The envelope system and monthly budget was the key to helping me stay disciplined and keeping track of my money. My decision to attend the Financial Peace University has by far been one of the best decisions I have ever made. I did not allow single motherhood to keep me from succeeding in this path. If anything, it fueled my motivation! As I continue my journey in becoming debt-free, I am able to “pay it forward” by sharing the knowledge I’ve gained and helping others who are on their path to financial freedom.



T. Q. Jacksonville, NC



“I am thankful for the knowledge that God has given Mrs. Rachel Gerald regarding stewardship over our finances. I had to be honest with myself about the choices I made about my finances. I needed to be accountable. I got tired of borrowing and still coming up short. So I asked for help. Rachel has taught me to ask questions, and to never stop at the first "no". I asked several of my credit card companies to reduce my APR, but all of them said "No". However, they did remove late fees and interest charges because I was persistent yet polite. My car insurance six month premium has been reduced by $240.00. This is just the beginning. I am on my way to becoming debt free and making my money work for me. Thank you Rachel for teaching me God's way of handling money.”



~ K.Tisdale Rockhill, South Carolina



“I just wanted to give you an update. Today I just paid off that stupid Pioneer loan and Firestone credit card that I had. All I owe now is two debts to Navy Federal. One is for $12k and the other around $5k. I still have another 6 months on the deployment. Therefore I should be debt free next time you see me. Again thank you for the assistance that you gave me concerning my financial situation.”



A. Wilson Camp Lejeune, North Carolina



“I am thankful for the knowledge that God has given Mrs. Rachel Gerald regarding stewardship over our finances. I had to be honest with myself about the choices I made about my finances. I needed to be accountable. I got tired of borrowing and still coming up short. So I asked for help. Rachel has taught me to ask questions, and to never stop at the first "no". I asked several of my credit card companies to reduce my APR, but all of them said "No". However, they did remove late fees and interest charges because I was persistent yet polite. My car insurance six month premium has been reduced by $240.00. This is just the beginning. I am on my way to becoming debt free and making my money work for me. Thank you Rachel for teaching me God's way of handling money.”



~ K.Tisdale Rockhill, South Carolina



“I just wanted to congratulate you on achieving such a tremendous milestone. I also want to say thank you for sharing your story with the world. I saw the article online with you and your beautiful kids and just had to reach out to you. My long term goal is to motivate and inspire young women to achieve greatness. There is a shortage of female role models but women like yourself give me hope that our youth have options on who they choose to look up too. No reality TV required.”



Maj S. King, 8TSC Support Operations



“I just read a story about you on Yahoo and it was an inspiration to see you not only work your way out of debt, but also set your children up for success by instilling the right spending habits and financial responsibility. Great Story, great Role Model, Great Marine!”



W. Burton Beaufort, South Carolina



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