Blogs
Ways to Divorce With Dignity
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.
How Much Does a Financial Adviser Cost in Austin, Texas?
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.
5 Money Myths That Could Jeopardize Your Retirement
Financial misinformation spreads quickly, especially when it comes to retirement planning. At REAP Financial, we meet many families who have built strong savings but are unknowingly relying on outdated or inaccurate beliefs. Here are five common myths that can derail your financial confidence.
Gifting Strategies for the Holidays
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.
The Biggest Estate Planning Mistakes Couples Make
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.
How to Do a Fall Financial Reset Before Retirement
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.
The Biggest Mistakes Investors Make
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.
Life Insurance Made Easy – How Retirees Use It to Their Advantage
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.
Empowering Women Investors – Take Control of Your Financial Future
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.