REAP
REAP is a Florida-based multi-disciplinary financial advisory firm offering estate planning, retirement income, wealth management, and tax-smart portfolio services to pre-retirees, retirees, families, and 55+ homeowners through three Florida offices and digital educational resources.
- Company typePrivate
- Founded2004
- HeadquartersLake Mary, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What REAP does
REAP (Retirement & Estate Advisors & Professionals) is a Florida-based multi-disciplinary financial advisory firm founded in 2004 that delivers retirement, estate, tax, and wealth planning services to individuals and families. The firm organizes its offering around four service pillars: estate planning, retirement income planning, wealth management, and tax-smart portfolio management, and it serves pre-retirees and retirees, families focused on intergenerational wealth transfer, and 55+ homeowners. Delivery follows a team-based model that integrates financial, legal, and tax professionals rather than relying on a single generalist advisor, and the firm is founder-led by David H. Morgan, who holds MSFS, CEA, CFF, and RMA credentials. REAP operates across three Florida locations: a Lake Mary headquarters and offices in Gainesville and Jacksonville.
The firm's product surface spans professional advisory engagements and a digital self-service layer. Core advisory offerings include comprehensive estate planning (wills, trusts, legacy), sustainable retirement income planning with Social Security optimization, holistic wealth management, and tax-efficient portfolio construction. Layered on top are educational and lead-generation tools: an Online Income Planning Course, Seminars on Call (on-demand video seminars), a free risk-tolerance profile assessment, downloadable financial/tax and estate planning worksheets, online calculators, and free eBooks such as 'Reinventing Retirement.' David H. Morgan also has authored books, including 'Tax-Free Money for Long-Term Care,' extending the firm's content footprint. The underlying technology is standard financial planning software, risk-profiling tools, and digital content delivery rather than proprietary technology, and the firm does not offer a mobile app, API, or SDK.
REAP runs a sales-led, relationship-driven go-to-market with a freemium entry point: a complimentary review of legal, financial, and tax documents functions as the top-of-funnel offer. Revenue is generated from ongoing advisory fees and secondarily from paid courses, books, and subscription-style educational products. Customer acquisition leans on community seminars and workshops at venues such as the Lake City Lifestyle Enrichment Center, an active blog and email newsletter, organic social media presence on Twitter/Facebook/LinkedIn, recurring KOOL 100.9 FM radio appearances by the founder, and a referral network from existing clients. REAP holds BBB accreditation, brands itself as a fiduciary, and discloses no outside investors or institutional funding, indicating the practice is self-funded and founder-controlled; revenue figures are not publicly disclosed.
REAP firmographics
Firmographics- Name
- REAP
- Legal name
- REAP, LLC
- Website
- https://retirementestateplan.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- REAP is a Florida-based multi-disciplinary financial advisory firm offering estate planning, retirement income, wealth management, and tax-smart portfolio services to pre-retirees, retirees, families, and 55+ homeowners through three Florida offices and digital educational resources.
- Ownership category
- akta.pro rank
REAP industry classification
Industry- Product category
- Wealth Management and Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Financial Planning–Led RIAs (FSAAACAB)
- akta.pro secondary industry
- Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)
Keywords
Where REAP is headquartered
LocationHeadquarters
- HQ city
- Lake Mary
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
REAP business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Financial Advisory and Planning Fees: Revenue generated from comprehensive financial advisory services including retirement income planning, estate planning, and wealth management. The firm offers a complimentary consultation as an entry point.
- Educational Products and Courses: Revenue from paid educational offerings including online courses, books (e.g., 'Tax-Free Money for Long-Term Care'), and digital resources.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | One time | Complimentary Consultation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
REAP product offering
Product offeringCore offering
REAP is a Florida-based multi-disciplinary financial advisory firm that delivers personalized estate planning, retirement income planning, wealth management, and tax-smart portfolio services to individuals and families. Engagements are delivered through a team-based model combining financial, legal, and tax professionals, led by founder David H. Morgan, with a complimentary document review offered as the entry point.
Product overview
REAP (Retirement & Estate Advisors & Professionals) is a multi-disciplinary financial advisory firm offering a unified suite of services rather than a software product platform. The core offerings center on four primary service pillars: Estate Planning, Retirement Income, Wealth Management, and Tax-Smart Portfolio. These core services are delivered through a 'team approach' involving financial, legal, and tax professionals. The portfolio is supplemented by educational tools including an Online Income Planning Course, Seminars on Call (complimentary video resources), financial calculators, and helpful worksheets. David H. Morgan serves as the firm's primary advisor and author, supporting the offering with books such as 'Tax-Free Money for Long-Term Care' and 'Reinventing Retirement eBook'. The firm also provides free risk analysis services and hosts regular estate planning seminars.
Differentiator
Problem solved
Functional benefit
Products and services
- Estate Planning
Quantifiable outcome
- Financial advisors can add approximately 3% in net annual returns for clients according to Vanguard's Advisor's Alpha research; Russell Investments puts the figure at 3.52% per year
- +2 more outcomes
Companies that use REAP
Customer profileSegments3 records
Ideal customer profiles3 records
REAP technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
REAP partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights4 records
REAP competitors and assessment
Company assessmentBroad incumbents
- Commonwealth Financial Network: Large independent broker-dealer and RIA support platform serving thousands of financial advisors across the U.S. Comparable to REAP because affiliated advisors deliver retirement, estate, and wealth management services; however, it operates as a broad incumbent platform rather than a single planning-led practice.
- Cambridge Investment Research: Independent broker-dealer supporting RIAs and financial advisors offering retirement, estate, and wealth management services. Comparable to REAP in services delivered to end clients but positioned as a broad incumbent platform serving many independent practices.
- Buckingham Strategic Partners (Focus Financial): Wealth management partner firm supporting advisors who deliver evidence-based financial planning, tax, and estate services. Comparable to REAP through its advisor-led planning model targeting retirement-age households, but operating within a large-scale support organization.
Direct peers
- Facet Wealth: Digital-first flat-fee financial planning firm serving mass-affluent and high-net-worth individuals with CFP-led advice. Comparable to REAP as a planning-focused alternative for retirement/estate clients, but delivered via a virtual model that contrasts with REAP's in-person, community-driven approach.
- Carson Group: Wealth management firm providing financial planning, investment management, and tax/estate strategies to individuals and families. Comparable to REAP due to overlapping holistic planning services and shared focus on educating and converting clients through content and workshops.
- Mariner Wealth Advisors: National wealth advisory firm offering financial planning, investment management, tax, estate, and retirement services to families and individuals. Comparable to REAP because of its multi-disciplinary service stack and emphasis on retirement/legacy planning for HNW households.
- Edelman Financial Engines: One of the largest independent RIAs in the U.S., providing financial planning, retirement income planning, and tax-efficient investment management. Comparable to REAP given its planning-led approach targeting retirement-age households, though delivered at vastly greater scale.
- Creative Planning: Large, financial planning-led RIA offering comprehensive wealth, tax, estate, and retirement planning to individuals and families. Comparable to REAP because of its planning-first, multi-disciplinary model serving similar demographic segments, though at substantially greater scale.
Emerging players
- Personal Capital / Empower: Hybrid digital wealth management platform combining automated tools with human advisors for retirement and investment planning. Comparable to REAP in serving retirement-focused households with investment and planning needs, but differentiated by technology-first delivery.
- Alloy Wealth Partners: Independent, planning-driven RIA serving individuals and families with integrated financial planning, tax, and estate services. Comparable to REAP in its integrated, multi-disciplinary planning approach, though typically serving a higher-net-worth clientele.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
REAP social profiles
Digital presenceREAP compliance and trust
Trust signalCompliance2 records
REAP financial estimates
Financial estimateRevenue estimate
Valuation estimate
REAP leadership team
Management profileNumber of profiles
Profiles1 record
REAP funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
REAP M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about REAP
What does REAP do?
REAP is a Florida-based multi-disciplinary financial advisory firm that delivers personalized estate planning, retirement income planning, wealth management, and tax-smart portfolio services to individuals and families. Engagements are delivered through a team-based model combining financial, legal, and tax professionals, led by founder David H. Morgan, with a complimentary document review offered as the entry point.
Is REAP a public or private company?
REAP is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was REAP founded?
REAP was founded in 2004. It employs 11 to 50 people.
Where is REAP based?
REAP is headquartered in Lake Mary, United States, in the North America region.
How does REAP make money?
Two revenue lines are on record. Financial Advisory and Planning Fees are the primary driver. The others are educational Products and Courses.
Who are REAP's main competitors?
Broad incumbents on record are Commonwealth Financial Network, Cambridge Investment Research and Buckingham Strategic Partners (Focus Financial). Direct peers are Facet Wealth, Carson Group, Mariner Wealth Advisors, Edelman Financial Engines and Creative Planning. Emerging players are Personal Capital / Empower and Alloy Wealth Partners.
Does REAP have an API?
No public API is recorded for REAP.
What industry is REAP in?
REAP's product category is Wealth Management and Financial Advisory Services. Its primary akta.pro industry code is FSAAACAB, Financial Planning–Led RIAs, with a secondary code of FSAAACAH, Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite). Its NAICS code is 523940 and its SIC code is 6282.