Real Financial Planning, LLC

Real Financial Planning serves individual clients and small businesses, including those planning for retirement, saving for education, managing debt, or navigating life changes. The firm provides fee-only, as-needed financial planning — producing written analyses and recommendations covering cash flow, tax planning, education funding, retirement and estate planning, asset allocation, and investment selection — and does not sell financial products or accept referral commissions.

The firm’s approach emphasizes asset allocation, diversification, periodic rebalancing, and attention to tax and fee considerations, using commercial financial planning software and documented assumptions in written reports. Engagements are billed on an hourly or agreed fixed-fee basis, with the plan delivered upon completion and ongoing monitoring or performance reporting provided only if separately engaged.

Notably, the firm does not manage client assets, take custody of investments, or charge percentage-of-assets fees, which differs from many independent peers that offer portfolio management and AUM billing. The brochure also highlights the principal’s financial planning and tax credentials (CFP and IRS Enrolled Agent) and prior professional experience in tax practice and software engineering, which the firm cites as part of its analytical and technical background.