Sow and Reap Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sow and Reap Financial LLC provides discretionary investment management and project‑based financial planning primarily for individual clients, including both non‑high‑net‑worth and high‑net‑worth individuals, rather than focusing on pooled or institutional mandates. The firm offers ongoing portfolio management alongside one‑time, limited‑scope planning engagements tailored to each client’s circumstances.
The firm’s investment approach emphasizes passively managed no‑load mutual funds and ETFs and uses asset allocation informed by modern portfolio theory, a long‑term orientation for equities, and a bias toward low‑duration, higher‑quality fixed income. Portfolios are rebalanced according to a proprietary method in tax‑sheltered accounts, and plans are customized to clients’ risk tolerance, time horizon, and any client‑imposed restrictions.
Distinctive elements include the availability of project‑based work and hourly billing for finite planning assignments in addition to customary asset‑based advisory arrangements, and a stated limitation on advice for individual stocks or bonds except when assisting with concentrated positions. The firm also discloses that the advisor and related persons hold many of the same funds as clients and provides regular written and telephone reporting, features that may be relevant to individuals seeking a small‑firm, personalized service model.
Client services
Expertise
Fee options
Project-Based Financial Planning fixed fees range from $750 to $10,000
$0 - $2,000,000: 0.64% $2,000,001 - $10,000,000: 0.24% $10,000,001 - $50,000,000: 0.20% $50,000,001+: 0.15%
Project-Based Financial Planning hourly fees range from $100 to $300 per hour
Minimum fee: $5,000 minimum annual fee for both comprehensive financial planning and investment management fees Fee-only: Annual comprehensive financial planning fee includes investment management fee; Project-Based Financial Planning fees charged as fixed or hourly fees
Main office
Rocklin CA
Advisors at this office
1
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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