Finances For Real Life
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$86,069,409
Total clients
122
15% high-net worth
Total advisors
2
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
61
Average account size
$705,487
About
Finances for Real Life serves individual and high‑net‑worth clients, offering discretionary portfolio management, flat‑fee financial planning, and ad‑hoc consulting. The two‑advisor firm manages roughly $86 million for about 122 clients and uses asset‑based advisory fees for portfolio management alongside negotiated planning and hourly rates.
The firm tailors portfolios using a mix of analytical approaches — including charting, technical and fundamental analysis, cyclical analysis, modern portfolio theory, and ESG considerations — and may implement model portfolios developed by unaffiliated managers. Clients are generally required to grant discretionary authority, the firm does not accept client restrictions on specific holdings or security types, and it uses the custodian’s designated money‑market sweep for cash management.
Notable distinctions include advisors who are dually registered as registered representatives and independent insurance agents and the firm’s requirement that clients use a specific custodian (LPL Financial), arrangements the brochure discloses can result in additional compensation such as commissions and 12b‑1 fees. The firm also discloses that it will not vote client proxies, offers access to private placements and structured products in addition to ESG strategies, and began conducting advisory business in 2023 — a mix of practices that differs from many peers.
Client services
Fee options
Flat fee for financial planning services, negotiable depending on scope and complexity.
Less than $500,000 - $500,000: 1.25% $500,000 - $1,000,000: 1.0% Above $1,000,000+: 0.9%
Registered representatives and insurance agents receive commissions on securities and insurance products separate from advisory fees.
Ad Hoc consulting services generally between $150 to $300 per hour.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Main office location
Finances For Real Life
3612 Constellation Road
Lompoc CA 93436, United States
Number of offices
2
Forms ADV
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