Blogs
How Much Should a Retiree Keep in Cash?
When you retire, your paycheck stops. That alone changes how you should think about cash.
During your working years, cash was often a small cushion for emergencies, repairs, or vacations. In retirement, cash can play a much larger role. The question becomes, how much is enough without holding too much?
5 Numbers That Predict Whether You Run Out of Money
When people think about retirement success, they often focus on investment returns. Questions like “Am I too conservative?” or “Am I taking enough risk?” come up all the time.
The truth is, five key numbers matter far more. These are the numbers that can quietly derail your retirement if you are not planning for them.
Retire Rich and Look Poor – The Millionaire’s Tax Playbook
When most people think about retirement planning, they focus on growing their wealth. The real advantage may come from keeping more of it. Taxes can become one of the largest expenses you face in retirement. Many retirees underestimate how much they may owe and how deeply taxes can impact their long-term financial picture.
REAP Financial Named a 2026 Best Places to Work Winner by the Austin Business Journal
On June 26, 2026, the Austin Business Journal announced REAP Financial among its Best Places to Work in Central Texas….
Should You Downsize, Right-Size, or Stay Put?
One of the biggest decisions you will face in retirement is what to do with your home.
Should you stay where you are, downsize, or find something that better fits your lifestyle? This question comes up in nearly every retirement conversation because your home is often your largest asset and one of your biggest expenses.
5 Things We Would Never Suggest to Our Clients
At REAP Financial, our team of fiduciary advisers gives guidance every day. Over time, we have seen what works and what can create problems in retirement.
Today, I want to walk you through five things we would never recommend as you approach retirement.
Retirement Time Machine – How Your Future Self Thinks About Money
Many decisions must be made as you walk into retirement and begin settling into that phase of life. Many of these decisions are irreversible, and one mistake can lead to long-term regret.
Let’s walk through how your future self should be thinking about money as you make these critical retirement decisions.
2026 Money Psychology – 5 Money Mindsets to Rewire Before Retirement
If you have spent your career saving consistently and building wealth, you have already done much of the heavy lifting. You paid yourself first, invested over time, and likely accumulated assets that can support you for many years. Yet as retirement approaches, many people discover that the financial shift is not only mathematical. It is psychological.
At REAP Financial, we often describe this transition as changing how you relate to money. Moving from accumulation to distribution requires a different mindset. Below are five money perspectives worth reexamining as you prepare for retirement.
2026 Retirement Account To-Do List
As the new year begins, it is a smart time to review your retirement accounts and confirm that everything is aligned before tax season arrives. Whether your goals include managing taxes, maximizing contributions, or updating beneficiaries, the months leading up to April 15 offer an important planning window.
At REAP Financial, we encourage families to stay ahead of deadlines and decisions that can influence long term outcomes. Below is a practical checklist to help you stay organized in 2026.