Finances For Real Life
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$106,023,470
Clients
128
Advisors
2
of 2 employees
About
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.
Client services
Expertise
Fee options
Flat fee for financial planning services, negotiable depending on scope and complexity
Less than $500,000 - $499,999: 1.25% $500,000 - $1,000,000: 1.0% Above $1,000,000+: 0.9%
Generally between $150 to $300 per hour for Ad Hoc consulting services
Main office
3612 Constellation Road
Lompoc CA 93436
Advisors at this office
2
Most active in
Arizona · California · Colorado · Florida · New Hampshire · Texas · Virginia
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.
Advisors at this firm
Peggy V
Series 63, Series 65
Lompoc, CA
Finances For Real Life
Peggy Van Hook is a financial advisor at Finances For Real Life with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Wanda T Toro LLC. Outside of her advisory role, she is a commissioned notary in the State of California. Finances For Real Life serves individual and high-net-worth clients, offering discretionary portfolio management, financial planning, and consulting. The firm employs a combination of analytical methods and long-term strategies, including ESG investing, and manages approximately $108.6 million in assets.
Wanda T
CFP®, Series 63, Series 65
Lompoc, CA
Finances For Real Life
Wanda Toro is a CFP®-certified financial advisor with 27 years of industry experience. She currently serves at Finances For Real Life and has a background that includes working with LPL Financial and operating her own advisory entity, Wanda T Toro, LLC. Outside of her advisory work, she is involved in sports coaching through a home-based business. Finances For Real Life serves individual and high-net-worth clients by providing discretionary portfolio management, flat-fee financial planning, and ad-hoc consulting. The firm uses a variety of analytical methods to tailor portfolios and manages approximately $86 million for around 122 clients.
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