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 financial and investment advice, advanced tax strategies, business succession planning, and excellent 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.

Ways to Divorce With Dignity

Ways to Divorce With Dignity

Leave a Comment / Financial Strategies & Lifestyle, Specialized Financial Topics /

Divorce is never easy, but for couples in their late 50s or 60s it can feel especially complex. After decades of building wealth, raising a family, and preparing for retirement, separating finances can feel overwhelming. This growing trend, often called gray divorce, is on the rise among couples married 25 years or longer.

At REAP Financial, we have helped many families navigate this transition with care, respect, and financial clarity. Here is how to approach divorce with dignity and protect your long term financial security.

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How Much Does a Financial Adviser Cost in Austin, Texas?

How Much Does a Financial Adviser Cost in Austin, Texas?

Leave a Comment / Financial Strategies & Lifestyle, Retirement Planning & Strategies, Tax Insights & Wealth Management /

On average, families can expect to pay between $200 and $500 per hour for hourly advisers, or an annual 0.5%–2% fee on assets managed under the AUM model. Commission-based and flat-fee options also exist, but transparency and fiduciary responsibility matter most. Understanding typical financial adviser fees in Austin can help you find the right professional to guide your retirement, tax, and investment planning with confidence.

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Retirees Are Gifting Wrong - Here's the Better Strategy

Gifting Strategies for the Holidays

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The holidays bring a spirit of giving, and for many retirees that extends to helping loved ones or supporting causes that matter most. Thoughtful gifting can strengthen family bonds and make a lasting impact when done strategically. Here are several smart, tax-efficient ways to give this season.

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The Biggest Mistakes Couples Make in Estate Planning

The Biggest Estate Planning Mistakes Couples Make

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When most people think of retirement success, they picture golf, travel, and more time with family. Yet for families who’ve worked hard to build wealth, real retirement success means protecting that wealth – building a wall around it – so it can be passed on according to your wishes. At REAP Financial, we help families retire with confidence. That means identifying and avoiding the biggest estate planning mistakes before they threaten your legacy.

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How to Do a Fall Financial Reset Before Retirement

How to Do a Fall Financial Reset Before Retirement

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As we enter the fall months here in Central Texas, it’s the perfect time to take a step back and evaluate your financial progress. If you’re two to five years from retirement, when was the last time you performed a true financial reset? Have you reviewed how close you are to reaching your goals? Will your current plan allow you to retire confidently?

At REAP Financial, we encourage families to take time each fall to review their numbers, make adjustments, and ensure their plan still aligns with their lifestyle and long-term objectives. Here’s how to approach your fall financial reset for 2025.

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The Biggest Mistakes Investors Make

The Biggest Mistakes Investors Make

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If you’re 54 today and live to 90, you still have half your life ahead of you. That means 25, 30, even 40 years of retirement to plan for. The question is: do you have a portfolio and a strategy built for the long game? At REAP Financial, we help families prepare for a successful retirement—and that includes avoiding common investing mistakes that can derail long-term goals. Let’s walk through the most critical ones.

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Life Insurance Made Easy - How Retirees Use It to Their Advantage

Life Insurance Made Easy – How Retirees Use It to Their Advantage

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When you think about life insurance, your mind might go back to your 30s or 40s – mortgage payments, young kids, and financial responsibilities that needed covering if something happened to you. But what about in retirement? Do you still need life insurance? For many successful retirees, the answer is yes – but for very different reasons than before.

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Empowering Women Investors - Take Control of Your Financial Future

Empowering Women Investors – Take Control of Your Financial Future

Leave a Comment / Financial Strategies & Lifestyle, Retirement Planning & Strategies, Social Security, Pension & Savings Plans /

Chris Heerlein here, host of Retire Ready TV on KXAN and Wealth Radio every Saturday on News Radio KLBJ for over a decade. Today, I’m diving into a topic I’m deeply passionate about: empowering women investors. It’s about getting engaged, being prepared, and taking control of your financial future – especially in the event you outlive your spouse.

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A Big Bold Tax Break for Retirees - What You Need to Know for 2025

A Big Bold Tax Break for Retirees – What You Need to Know for 2025

Leave a Comment / Retirement Planning & Strategies, Tax Insights & Wealth Management /

2025 ushered in some exciting updates for retirees, especially for those looking to lower their tax burden and protect their nest egg. A newly passed piece of legislation, officially called the Big Beautiful Bill, introduces several tax-friendly policies that could have a real impact on your financial life in retirement.

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