Chris Heerlein

Chris Heerlein, a Texas native, is the CEO of REAP Financial and founder of REAP Private Client Group (RPCG), specializing in wealth creation, preservation, and growth for affluent individuals, business owners, and executives. RPCG provides expert financial and investment advice, advanced tax strategies, business succession planning, and unparalleled client service. Chris is a trusted financial advisor, author of Divorce With Dignity (2019) and Money Won’t Buy Happiness But Time to Find It (2017), and a columnist for Kiplinger Personal Finance Magazine.

He has been featured in Fortune, Money Magazine, Bloomberg Businessweek, and U.S. News & World Report. Chris also hosts Wealth Radio on NewsRadio KLBJ and is a sought-after speaker. Based in Austin, Texas, he lives with his wife, Hannah, and their three children and actively supports charitable causes.

5 Key Changes to Social Security in 2025

5 Key Changes to Social Security in 2025

Every year, we see changes in the Social Security system. Next year, with a new administration coming into the White House, there has been a lot of buzz around Social Security, everything from what can be done to save it to cutting taxes on Social Security entirely. Although there is a lot of suspicion, a few changes to Social Security in 2025 have already been confirmed.

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How to Build Your Best 2025 Budget Step-By-Step

How to Build Your Best 2025 Budget Step-By-Step

At REAP Financial, we have successfully guided families in Central Texas and across the United States through retirement for 16 years. When you’re preparing for retirement, there are metrics that obviously matter, such as your rate of return on investments, inflation, Social Security claiming strategy, and more. However, the most important number for a successful retirement is your budget.

When you’re working, you don’t have to worry about keeping a strict budget, but when you retire, it is very important to know your boundaries. Your budget provides the framework for what you can spend, since there’s only so much money at the end of the day.

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Year-End Giving Strategies

Tax-Efficient Year-End Giving Strategies

For most Americans, as we approach the end of the year, many people look for ways to save on taxes. This is where year-end gifting strategies come into play. You may give charitably to causes and organizations you believe in, or to your children or others. In this article, we’ll cover some smart ways to execute your year-end gifts that could save you on taxes, including potential income tax, capital gains tax, and charitable deductions.

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What Are Some of the Hidden Costs of Retirement

What Are Some of the Hidden Costs of Retirement?

Retirement can bring a lot of joy or stress, depending on how you prepared for it. In this article, we’ll cover some of the hidden costs of retirement that people generally don’t talk about. These costs can blindside you, so you should aim to plan ahead. Be sure to read through to the end to learn about the top hidden cost that most people overlook!

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Ultimate Bucket List Suggestions for Retirement

The Ultimate Bucket List Suggestions for Retirement

Discover how to make the most of your retirement years with REAP Financial’s guide to creating a fulfilling and stress-free retirement bucket list. From exciting travel adventures to learning new skills and hobbies, this article offers practical tips and insights to help you transition smoothly into retirement while maintaining financial security. Plan your dream retirement with confidence, knowing you can enjoy your wealth without jeopardizing your future.

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How to Use an IRA to Fund Your HSA Leveraging an IRA to HSA Rollover

How to Use an IRA to Fund Your HSA | Leveraging an IRA to HSA Rollover

Health Savings Accounts are one of the most powerful retirement planning accounts out there, if not the most powerful one. Despite this, many people don’t take advantage of them. If you want to take advantage of an HSA, you may be wondering how to fund an HSA.

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