Real Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
18
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
18
Average account size
$0
About
Real Financial Planning serves individual clients and small businesses, including those planning for retirement, saving for education, managing debt, or navigating life changes. The firm provides fee-only, as-needed financial planning — producing written analyses and recommendations covering cash flow, tax planning, education funding, retirement and estate planning, asset allocation, and investment selection — and does not sell financial products or accept referral commissions.
The firm’s approach emphasizes asset allocation, diversification, periodic rebalancing, and attention to tax and fee considerations, using commercial financial planning software and documented assumptions in written reports. Engagements are billed on an hourly or agreed fixed-fee basis, with the plan delivered upon completion and ongoing monitoring or performance reporting provided only if separately engaged.
Notably, the firm does not manage client assets, take custody of investments, or charge percentage-of-assets fees, which differs from many independent peers that offer portfolio management and AUM billing. The brochure also highlights the principal’s financial planning and tax credentials (CFP and IRS Enrolled Agent) and prior professional experience in tax practice and software engineering, which the firm cites as part of its analytical and technical background.
Client services
Financial planning
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General retirement planning
General estate planning guidance
Occupation focus
Self-Employed
Demographic focus
Retired
Young Families
Young Professionals
Fee options
Certain engagements may be performed for a flat fixed fee, subject to mutually agreed-upon assumptions
Standard billing rate of $200/hour
Fee-only: Hourly rate of $200/hour; flat fixed fees may be charged for certain engagements, amounts negotiated case-by-case
Main office location
Real Financial Planning, LLC
705 Boston Post Road
Guilford CT 06437, United States
Number of offices
1
Most active in
Real Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Connecticut
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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.
Forms ADV
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