A complete list of active advisors currently associated with Sow and Reap Financial LLC

Warmer can help you find a great advisor at Sow and Reap Financial LLC or one who fits your needs even better.

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.

To learn more about the advisors currently working at Sow and Reap Financial LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Tristan Payne	Rocklin, CA	2

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