REAP

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.

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

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

• Retirement income planning
• Estate planning services
• Wealth management advisory
• Financial planning firm
• Fiduciary advisory services

Headquarters

HQ city

Lake Mary

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core 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

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Broad 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

• Xtwitter.com/morgandh2
• Facebookfacebook.com/REAPLLC
• LinkedInlinkedin.com/company/retirementestateplan

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about REAP