Finances For Real Life

Finances for Real Life serves individual and high-net-worth clients, offering discretionary portfolio management, financial planning, and ad hoc consulting. Portfolio management fees are charged as a percentage of assets under management, while financial planning is typically billed as a flat fee and consulting on an hourly basis.

The firm uses a mix of analytical approaches—charting, technical, cyclical, and fundamental analysis—alongside Modern Portfolio Theory and long-term purchase strategies, and offers ESG-focused investing as an option. It may implement unaffiliated model portfolios for clients (with no ability for clients to restrict specific holdings in those models), and manages accounts on either a discretionary or non-discretionary basis while using the custodian’s designated cash sweep for cash management.

Notable features include a small advisory team managing roughly $108.6 million in assets with no stated account minimums and a recent start to its advisory operations in 2023. Advisors are dually registered as broker‑dealer representatives and licensed insurance agents, the firm requires custody at a specific custodian (LPL Financial) and receives related brokerage products and services, and it does not aggregate trades—factors that may affect trade execution and present potential conflicts of interest for prospective clients to consider.