Blogs
What Every Woman Should Know About Investing
At REAP Financial, we love to empower the families we work with. But when it comes to retirement planning, we see a familiar pattern. One spouse, often the husband, is more engaged with investing and long-term strategy. The other, typically the wife, handles day-to-day budgeting or household finances.
This division of labor might work well for a time, but statistically, women tend to live longer. That means many may eventually find themselves navigating critical financial decisions alone. The earlier you get involved in your financial future, the more confident and prepared you may feel — especially when life throws the unexpected your way.
The Truth About Market Crashes
When it comes to the stock market, geopolitical affairs, and trade wars, 2025 has been nothing short of rowdy. The stock market doesn’t like uncertainty, and that’s precisely what 2025 has been. However, stock market volatility is normal. That doesn’t mean it’s fun or easy to handle, but it is routine. In this article, we’ll go over stock market crashes and whether you should be concerned.
Big Changes in Retirement for 2025
During our twelve years of Wealth Radio on KLBJ, we’ve worked with many successful retirees and seen a lot. In this article, we’ll go over some recent questions from our audience and focus on big changes in 2025. When it comes to your Social Security, IRA, 401Ks, and more, there are big things on the horizon. You’ll want to know about these changes so you can adjust your savings plan to help maximize your savings and support success in retirement. Keep reading to see what changes to look out for in the year to come and other useful pieces of advice!
Protecting Your Retirement Wealth from Cybersecurity Threats
In 2025, with the growth of artificial intelligence and technology, cybersecurity issues such as fraud and scams are increasing. At REAP Financial, we’re seeing these threats even among successful retirees, and it’s only becoming more common. These days, it is very easy to get taken advantage of online; it happens to smart people all the time.
What the $4.5 Trillion Tax Cut Means for Your Retirement Savings
Currently, politicians are trying to extend the Tax Cuts and Jobs Act, which originally passed in 2017 during the first Trump administration. In fact, the House of Representatives recently passed a bill supporting a $4.5 trillion tax cut. While this bill still needs to pass through Congress, it is possible it could reach the president’s desk as soon as April 2025. Naturally, this raises questions about what it could mean for you and your retirement. In this article, we’ll go over the top three things to be aware of if this bill becomes law.
Block Out the Noise – Stay Focused on Your Financial Future
In 2025, the news cycle is non-stop. With the news moving a mile a minute, it can be very stressful. No matter what type of news you’re following, there’s no doubt that consuming too much news can often influence your financial decisions. However, for a successful retirement, it may be helpful to block out that noise and stay focused on your long-term goals.
Stop Following Conventional Retirement Strategies
If you’re a few years away from retirement or nearing retirement, chances are you’ve been researching what you need to do to help ensure a successful, long-term retirement. However, as the financial landscape evolves and the rules change, you may need to reconsider some traditional retirement strategies. In this article, we’ll dive into some of the common misconceptions and key factors to be aware of so you can pursue financial security in retirement. Read through to the end for one of the most critical factors that many retirees overlook!
5 Signs That You May Not Be Ready to Retire Just Yet
As you head towards retirement, you’ve likely been saving diligently in your 401(k) and IRAs, and you may start to wonder when you can actually retire.
At REAP Financial, we conduct many analyses with our advisers to show people when they can comfortably retire. In many cases, we find people could have retired sooner than they thought!
In this article, we’ll go over five signs that you may not be quite ready to retire. Read all the way to the end to learn about the most overlooked point of building towards true success in retirement!
Why You Can’t Rely on Social Security Alone
When you think about all the money you’ve paid into the Social Security system over the years, it’s a significant amount. Between your contributions and your employer’s, a total of 12.4% comes out of your paycheck. In some cases, the amount you’ve paid into Social Security may even make your retirement savings look relatively small.
However, in this article, we’ll explain why you should not rely solely on Social Security income. We’ll also discuss how the most successful retirees integrate their Social Security benefits with investment income, retirement accounts, and other assets to help create long-term financial stability in retirement. Watch the video below or scroll down to learn more.