Blogs
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!
6 Financial Resolutions To Make Before Retiring in 2025
As we approach the end of the year and the start of 2025, this is an ideal time to reflect on your financial goals and make resolutions that will position you for a successful retirement. In this article, we’ll cover the top six essential financial resolutions worth considering and implementing in the new year.
Why Most People Get Retirement Planning Wrong
If you want to have a successful retirement, understanding that it doesn’t happen by accident is key. To achieve success in retirement, you have to plan effectively in advance. In this article, we’ll cover why most people get retirement planning wrong, especially when they attempt to do it alone. Be sure to read all the way through to learn how to win in retirement!
How to Create a Sustainable Retirement Cash Flow
When you retire, it’s all about cash flow. In this article, we’ll go over how the most successful retirees in this country create sustainable cash flow in retirement. We’ll share some of the techniques we use to help guide our clients at REAP Financial. Be sure to read through to the end to learn all our tips to solidify your retirement cash flow.
How to Build Wealth While Navigating Inflation
When it comes to building real wealth, rates of return matter. Both the amount you earn on investments and the amount you save for retirement are important. However, inflation is often overlooked. Inflation is a silent threat to any portfolio. Today, with inflation higher than we’ve seen in many years, you need to structure your portfolio in a way that keeps up with inflation and beyond. In this article, we’ll go over how the most successful retirees build wealth while navigating inflation. Be sure to read the whole article for a little-known tip on staying ahead of inflation!
How to Prepare for 2026 Estate-Tax Changes
It’s hard to believe, but 2026 is just around the corner. In 2026, we’re going to see some major changes in how much you’re paying in taxes and the estate tax limit, or how much tax could be applied to the money you leave to others. In this article, we’ll talk about the key changes and some steps you may want to take to protect your wealth.
In the last few years, we’ve enjoyed some of the lowest tax brackets in U.S. history. In fact, tax rates have not been this low in 40 years. However, these tax rates, including income tax rate and estate tax limits, are set to sunset and change in 2026. First, let’s go over what estate tax limit changes could look like.
5 Hidden Dangers of Early Retirement You Need to Know Now
Through the years, REAP Financial has had the privilege of helping many families retire. We always strive to prepare our clients for early retirement and the risks that come with it. Today, 7 out of 10 Americans retire sooner than they were planning. Sometimes, this isn’t because they want to retire; it may be to take care of aging parents or a spouse, due to medical issues, or a layoff. Whatever the case may be, there are some key considerations when it comes to early retirement.
Why Mindset Matters When it Comes to Building Wealth
At REAP Financial, our team of fiduciary advisers has the great pleasure of working with some of the most successful retirees and investors in the country. As we’ve reflected on our years working with these retirees, one of our most prominent takeaways is that building wealth and achieving success is about mindset and leveraging the power of time. In this article, we’ll cover the surprising power of mindset when it comes to building your wealth and your legacy.
How to Election-Proof Your Portfolio
As this article goes out, we’re in the middle of an election cycle. Heightened emotions often accompany election cycles, but you should aim to avoid letting your emotions dictate your investment decisions. In this article, we’ll take you through ways to election-proof your investment portfolio. Thinking about this during an election year is crucial since it is common for many people to panic about finances around election cycles. If you read through this article, you’ll come away with some ideas and techniques to help you and your portfolio navigate this election cycle.