Real Life Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Real Life Planning provides financial planning and portfolio management to individuals and high‑net‑worth clients through project‑based engagements, subscription coaching, and comprehensive planning that addresses cash flow, retirement, insurance, tax, estate, and real‑estate considerations. Clients may choose standalone financial plans, an ongoing coaching subscription with regular check‑ins, or a comprehensive program that can include coordinated investment management implemented through third‑party managers.
The firm’s investment framework emphasizes passive portfolio construction aligned with Modern Portfolio Theory while also using fundamental, cyclical, and charting analysis when conducting investment reviews as part of a financial plan. For clients who opt for managed accounts, discretionary model portfolios are implemented by outside managers, and planning deliverables are paired with ongoing monitoring, monthly calls, and group or individual coaching to support implementation.
Compared with many solo independent advisers, the firm maintains a structured education program—public seminars, employer financial‑wellness workshops with optional one‑on‑one employee consultations, and paid online courses—alongside its advisory services. The brochure also highlights a pronounced focus on rental real‑estate investors and small‑business owners, integrating real‑estate retirement projections and guidance on alternative real‑estate investments into its planning and coaching work.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Project-based financial planning fixed fees range from $500 to $20,000, negotiable.
$0+: 0.50% annually (investment management add-on fee) +:
Monthly fees for LAUNCH Program at $150/month; monthly fees for LIFT Program ranging from $275 to $500/month, both based on complexity and needs.
Fee-only: Fixed fees for financial planning programs ranging from $500 to $20,000 based on complexity.
Main office
Gladstone NJ
Advisors at this office
1
Most active in
California · Florida · New Jersey · New York · Texas · Virginia
Also doing business as
Real Life Planning · Real Life Planning, LLC
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.
Forms ADV
Quick links
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