Lake Mary, FL Office

REAP In Wealth Management provides fee-based wealth management and financial planning services to individual and high‑net‑worth clients, offering retirement and estate planning advice, cash flow and tax planning, and access to third‑party portfolio managers. The firm supports a broad client base through personalized consultations, periodic reviews, and implementation of recommended strategies via custodial accounts.

Investment programs are tailored to clients’ stated objectives and documented risk tolerances, with analysis that may include fundamental, technical and cyclical methods and formal Investment Policy Statements. The firm implements portfolios both directly and by using sub‑advisors and model platforms (including OPS, Brookstone and Matson Money); financial planning is provided as part of its wealth management service and, depending on the engagement, may also be billed on an hourly or fixed‑fee basis.

Notable distinctions include an unusually large physical footprint for a firm of its size (six offices) and formal affiliations with an insurance agency and a tax preparation business, arrangements the firm discloses can create conflicts when related products or services are recommended. The firm also routinely uses multiple custodians, shares fees with third‑party managers, and discloses prior administrative enforcement matters from 2015 in its Form ADV.