Real World Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
223
77% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
223
Very HighAverage account size
$0
About
Real World Financial Planning serves individual clients, families, trusts and estates with fee-only financial planning and investment advice delivered primarily on a project or hourly basis. The firm offers a set of scoped engagements (early-career checkups, mid-career planning, portfolio reviews, retirement planning and customized projects) and estimates fees for those fixed-fee or hourly engagements rather than relying on ongoing asset-based billing.
Its investment advice emphasizes globally diversified, passive strategies using low-cost index funds and ETFs, with attention to tax-efficient asset location, rebalancing and retirement withdrawal sequencing. The firm provides investment recommendations and planning guidance but does not exercise discretionary portfolio management or custody client assets; clients maintain their own accounts at qualified custodians and implement trades through their chosen providers.
Compared with peers, Real World Financial Planning is notable for serving a relatively large client base per advisor while operating without percentage-of-AUM billing or ongoing portfolio management, a combination that is uncommon among supported firms. The firm follows a fiduciary, fee-only model (no commissions, no 12b‑1 or performance fees), structures work as finite projects or hourly engagements, and focuses on planning-forward, implementation-by-client arrangements.
Client services
Financial planning
Expertise
General retirement planning
Retirement withdrawal strategies
Roth conversion strategy
Home buying
Charitable giving & philanthropy
Demographic focus
Young Professionals
Mid-Career Professionals
Approaching retirement
Married/Couples/Partners
Fee options
Fixed/project fees for new clients: $1,500 - $2,500 (Early Career Checkup), $2,500 - $4,500 (Mid-Career Planning), $3,000 - $4,000 (Portfolio Review), $4,000 - $6,000 (Retirement Planning) depending on complexity and client type
$375/hour billed in fifteen-minute increments for returning clients and customized engagements
Fee-only: Fixed fees ranging from $1,500 to $6,000 depending on service and complexity; Hourly rate of $375/hour for returning clients and customized engagements
Main office location
Real World Financial Planning, LLC
Chestnut Hill MA, United States
Number of offices
1
Most active in
Real World Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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 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.
Forms ADV
Quick links
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