Reality Financial Planning Services, LLC

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Client assets under management

$122,950,832

Clients

214

15% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

107

Very High

Average account size

$574,537

About

Reality Financial Planning Services is a fee-only advisory firm that serves individuals, families, high-net-worth clients, corporations, and certain foundations or charities. The firm offers comprehensive financial planning on an hourly or fixed-fee basis, ongoing discretionary investment supervisory services, and consultation, managing roughly $126 million for about 214 client accounts with two advising professionals.

The firm operates under a fiduciary standard and typically pursues a long-term, Modern Portfolio Theory–based approach that emphasizes cost-efficient index funds, ETFs and ETNs while permitting individual equities and fixed income where appropriate. Portfolios are customized with investment policy statements, periodic rebalancing, and use Monte Carlo analysis and scenario/stress testing to address tail-risk and downside concerns.

What sets the firm apart from many similarly sized supported advisers is its public education activity: Reality Financial Planning regularly provides speaking engagements and workshops on asset and retirement planning that are educational in nature (most offered pro bono, with some sponsored events subject to negotiated fees). The firm also notes no formal account minimums for its investment supervisory services and offers both hourly and fixed-fee planning arrangements, with the possibility of waiving planning fees when clients move into ongoing advisory relationships.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning Income planning Tax-loss harvesting Wealth management

Fee options

Fixed

Fixed fees ranging from $75 to $150 per quarter for ongoing assistance after plan delivery

Percentage

$0 - $500,000: 0.75% annually $500,000 - $750,000: 0.60% annually $750,000 - $1,000,000: 0.50% annually $1,000,000+: 0.30% annually

Project-based

$175 to $250 per hour for financial planning services

Subscriptions

Fixed fee subscriptions ranging from $75 to $150 per quarter (quarterly, in advance) for ongoing assistance

Other

Fee-only: Financial planning services: $175 to $250 per hour; Fixed fees: $75 to $150 per quarter

Main office location

Reality Financial Planning Services, LLC

3947 Clark Road

Sarasota FL 34233, United States

Number of offices

Most active in

Florida

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website (941) 366-5700

Advisors at this firm

Nicholas G

CFP®, Series 63, Series 65

Sarasota, FL

Reality Financial Planning Services, LLC

Nicholas Gyeszat is a CFP® professional with 11 years of industry experience, currently serving at Reality Financial Planning Services, LLC. His prior experience includes roles at Bison Advisors, truAdvice, LLC, The Sleight Group/TruAdvice Wealth Management, and Global Financial Private Capital, LLC. Reality Financial Planning Services, LLC is a fee-only advisory firm providing financial planning and discretionary portfolio management to individuals, families, corporations, foundations, and charitable organizations. The firm manages approximately $116.7 million across 200 client relationships, employing a long-term, asset-allocation approach that emphasizes cost-efficient index funds, ETFs/ETNs, and scenario analysis, and is noted for its public education initiatives through workshops and speaking engagements.

General retirement planning Income planning Tax-loss harvesting Wealth management

John C

CFP®, Series 63, Series 65

Sarasota, FL

Reality Financial Planning Services, LLC

John Cunningham is a CFP® professional with 10 years of industry experience. He has worked at Reality Financial Planning Services, LLC since 2020 and previously held roles at TIAA-CREF Individual & Institutional Services, LLC and Global Financial Private Capital, LLC. Reality Financial Planning Services, LLC provides fee-only financial planning and discretionary portfolio management to individuals, families, corporations, foundations, and charitable organizations. The firm manages approximately $116.7 million across about 200 client relationships, employing a long-term, asset-allocation approach based on Modern Portfolio Theory and incorporating scenario analysis and stress testing. It is also known for its public education efforts through speaking engagements and workshops on investment and personal finance topics.

General retirement planning Income planning Tax-loss harvesting Wealth management

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