Dive into a range of focused topics from sustainable investing to the implications of demographic shifts. Discover insights on specialized strategies, high-net-worth households, and the changing world of finance and economics.
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.
5 Things We Would Never Suggest to Our Clients Read More »
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 Money Psychology – 5 Money Mindsets to Rewire Before Retirement Read More »
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.
Ways to Divorce With Dignity Read More »
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.
Gifting Strategies for the Holidays Read More »
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.
Life Insurance Made Easy – How Retirees Use It to Their Advantage Read More »
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.
What Every Woman Should Know About Investing Read More »
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 Build Wealth While Navigating Inflation Read More »
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.
How to Prepare for 2026 Estate-Tax Changes Read More »
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.
Why Mindset Matters When it Comes to Building Wealth Read More »
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.
How to Election-Proof Your Portfolio Read More »