R.E.A.L. Coach

R.E.A.L. Coach provides comprehensive retirement and financial planning, qualified plan consulting, and educational seminars and workshops, and assists clients with selection of third‑party money managers through non‑discretionary co‑advisory arrangements. Its client base, as described in the brochure, includes individuals, small businesses, small business retirement plans, corporations, and other financial professionals.

The firm operates on a non‑discretionary model in which it prepares a Money Manager Questionnaire and recommends unaffiliated money managers who typically implement Fund‑of‑Funds allocations of no‑load mutual funds using modern portfolio theory and passive asset‑allocation principles, with periodic rebalancing. R.E.A.L. Coach emphasizes written plans, coordination with a client’s advisory team, and annual reviews rather than proprietary stock selection or market timing.

Distinctive aspects include the adviser’s concurrent licensure and business activities as a real estate broker, mortgage broker, and insurance agent, and disclosure that recommendations for those products or services may generate additional income and potential conflicts of interest. The firm also charges hourly fees for planning work, offers workplace financial‑wellness programs and seminars, and highlights a mix of credentials and prior experience (including auditing, IT risk/cybersecurity and specialized estate/divorce designations) that inform its approach.