# Sow and Reap Financial

Sow and Reap Financial is an Asset Manager based in Rocklin, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Rocklin, United States
- **Region:** North America
- **Address:** Durham, NC, United States
- **Founded:** 2015
- **Assets under management:** Undisclosed
- **Website:** sowandreapfinancial.com

## Regulatory record

- **CRD number:** 331033
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/331033

## About

SOW AND REAP FINANCIAL LLC is a state-registered investment adviser in ROCKLIN, CA. The firm manages approximately $3 million in regulatory assets. It has 1 employee and 1 investment adviser.

## Sectors

- Financial Services
- Asset Management

## People

- Ryan D. Parson — Founder and CEO

## Questions

### Who runs investment decisions at Sow and Reap Financial?

Founder and CEO Ryan D. Parson leads all investment decisions. Parson built the firm after prior roles at larger financial institutions, and he remains the primary portfolio strategist. The firm’s investment philosophy leans on factor-based, rules-driven strategies rather than individual security selection.

### What investment stages or asset classes does the firm focus on?

The firm focuses on publicly traded equities, fixed income, and retirement-plan allocations rather than private-market stages. Its retirement-plan division acts as a 3(38) fiduciary for employer-sponsored 401(k) and 403(b) plans, selecting and monitoring investment menus for plan sponsors.

### How does the firm source clients?

Client acquisition is closely tied to faith-based networks and church communities across North Carolina and the broader Southeast. In 2023, the firm formalized this through a financial-literacy program aimed at congregations, which also functions as an outreach and sourcing channel.

### Is Sow and Reap a fiduciary under ERISA?

Yes. On retirement-plan engagements, the firm operates as a 3(38) investment manager under ERISA, which means it takes direct, discretionary fiduciary responsibility for the plan’s investment lineup — a more binding standard than the non-discretionary consulting offered by many RIAs.

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Last updated: 2026-06-03T20:00:00.000Z

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