Firm Description REAP Financial Group, LLC is an SEC registered investment adviser located in Texas. The firm was formed in 2008. In 2018, REAP Financial Group, LLC reorganized by splitting its insurance business into a separate entity, REAP Insurance Group, LLC, with both entities being owned by a holding company, REAP Group, LLC. Currently, REAP Financial Group, LLC is owned by the holding company, REAP Group, LLC, which is owned by Sandra Newman, Hannah Heerlein, and Christopher Heerlein. REAP Financial Group, LLC provides investment management, financial planning, and consulting services primarily to individuals and trusts. Advice is provided through consultation with the client which may include: assessment of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. REAP Financial Group, LLC is a fee based financial planning and investment management firm. The firm’s affiliate, REAP Insurance Group, LLC sells annuities, insurance, and other commissioned products. As part of REAP Financial Group, LLC’s comprehensive approach to assisting our clients to achieve their financial goals and objectives, upon your request, we will attempt to coordinate our services with your trusted third-party legal, tax, and insurance advisors. Where you have not previously engaged a trusted third-party professional for any of these roles (e.g., attorney, certified public accountant, insurance agent, etc.), we may recommend a provider to you, but only where we believe such recommendations to be in your best interests. We do not receive referral fees or other direct compensation of any kind in connection with these recommendations. You are never obligated to engage any third-party professionals we recommend and do so at your sole discretion and risk. We are not responsible for the acts and omissions of any recommended third parties professionals you elect to engage. REAP Financial Group, LLC does not provide legal, tax or insurance advice, and clients are encouraged to consult their own legal, tax, insurance or other advisors for information concerning their individual situation. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) may be engaged directly by clients on an as-needed basis. Conflicts of interest which might exist will be disclosed to the client where applicable. See Item 10 below for additional information. Types of Advisory Services ASSET MANAGEMENT AE Wealth Management REAP Financial Group, LLC offers discretionary management services utilizing AE Wealth Management, LLC (“AE Wealth”) as a sub-advisor. AE Wealth is a Registered Investment Advisor registered with the Securities and Exchange Commission. AE Wealth primarily utilizes model portfolios managed by AE Wealth as well as other model managers, portfolio managers, strategists, and third-party money managers that are available through AE Wealth’s wealth management platform. For engagement where AE Wealth functions as sub-advisor, AE Wealth will have the ability to select, hire and fire model managers without the prior consent of REAP or the client. Additional information about AE Wealth can be found in AE Wealth’s Form ADV Part 2 Disclosure Brochure which is available upon request. TruAdvice, LLC REAP Financial Group, LLC also offers non-discretionary asset management services by utilizing TruAdvice, LLC (“TruAdvice”) as a sub-advisor. TruAdvice is a Registered Investment Advisor registered with the Securities and Exchange Commission. TruAdvice offers an actively managed program of model portfolios. The fees will be disclosed to the client in the Investment Advisory Agreement and are negotiable. Additional information about TruAdvice can be found in the TruAdvice

Form ADV Part 2 Disclosure Brochure which is available upon request. ALTERNATIVE INVESTMENT DUE DILIGENCE REAP may provide investment advice and due diligence about certain privately-issued securities for those clients who represent they are accredited investors and who otherwise meet certain investor standards. (To qualify as an accredited investor, you must have a net worth, not including your primary residence of at least $1 million; or have an income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year.) REAP will collect information such as marketing materials, auditing reports, balance sheets, offering memorandum, subscription agreements, historical records, etc. in order to assist in accessing such opportunities and their related risks. The fees for these services will be based on a percentage of the value of the investments as detailed in Item 5 of this brochure. FINANCIAL PLANNING AND CONSULTING REAP Financial Group, LLC also offers non-management financial planning and consulting services customized to the needs of the client. For these types of services, the client will compensate REAP Financial Group, LLC on an hourly rate as described in detail under “Fees and Compensation” section of this brochure. Services include but are not limited to a review of applicable topics including wills, legacy plans, trusts, investments, taxes, and insurance. Clients are under no obligation to act upon the firm’s recommendations. Furthermore, if a client elects to act on any of the recommendations made by the firm, the client is under no obligation to effect the transaction through REAP Financial Group, LLC, its affiliates or its related persons. Financial plans will be completed and delivered inside of sixty (60) days. Clients may terminate advisory services with five (5) days written notice. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each client are documented in our client files. Investment strategies are created to reflect the stated goals and objective of the applicable client. Clients may impose restrictions on investing in certain securities or types of securities. Because REAP is a registered investment adviser, we are required to meet certain fiduciary standards when providing investment advice to clients. Additionally, when we provide investment advice related to a retirement plan account or an individual retirement account, we are considered fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. As such, we are required to act in your best interest and not put our interest ahead of yours, even though our compensation creates some conflicts with your interests in that the more you have us manage, the more we can earn. Our clients however are under no obligation to use services recommended by our associated persons. Furthermore, we believe that our recommendations are in the best interests of our clients and are consistent with our clients’ needs. Wrap Fee Programs REAP Financial Group, LLC does not sponsor any wrap fee programs but some sub- advisors used by the firm may do so. For additional information about wrap fee programs offered or used by sub-advisors, please refer to the applicable sub-advisor’s Form ADV Part 2 Disclosure Brochure which is available upon request. Client Assets under Management As of March 7, 2023, REAP Financial Group, LLC had $380,599,146 of client assets under management. $380,599,146 of which was managed on a discretionary basis and $0 of which was managed on a non-discretionary basis.