Real Life Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,391,909
Clients
23
13% high-net-worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
23
TypicalAverage account size
$408,344
About
Real Life Planning serves individual and high‑net‑worth clients with a mix of project‑based and ongoing financial planning, coaching, and portfolio management. Offerings include one‑time planning engagements, subscription coaching programs, public online courses, and employer worksite financial education.
The firm follows a planning‑first process delivered through tiered programs (AIM, LAUNCH, LIFT) that produce written or electronic plans and ongoing coaching; when investment management is used it emphasizes passive, Modern Portfolio Theory‑based allocations and may place assets with third‑party managers (e.g., XY Investment Solutions) for discretionary management. Real estate is a recurring focus in client work—rental property and real estate retirement projections are integrated into cash‑flow, retirement, and risk reviews, and the firm provides real‑estate coaching alongside financial planning.
Noteworthy for a small supported firm, Real Life Planning maintains a substantive public education capability: it develops fee‑based online courses, conducts seminars and employer workshops, and offers one‑on‑one employee consultations with follow‑up action plans, using market research and annual surveys to set course topics. The firm’s small advisor team and limited client roster support individualized deliverables and regular coaching touchpoints rather than large‑scale asset‑management only relationships.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Income planning
College savings (529s, UTMA, etc.)
Business ownership considerations
Real estate investing
Occupation focus
Founder/Business Owner
Fee options
$500 to $20,000 (negotiable) for AIM Program project based financial planning fixed fee; upfront fee of $2500 to $5000 (based on complexity) for LAUNCH Program; upfront fee of $2,500 to $20,000 for LIFT Program; fees for educational courses $25 to $3,000 per program; seminar fees $0 to $300 per participant
$0 - $250,000: Included as part of monthly fee $250,001+: 0.50% annually in addition to monthly fee
LAUNCH Program ongoing fee $75 to $150 per month; LIFT Program ongoing fee $250 to $500 per month
Main office location
Real Life Planning
Gladstone NJ, United States
Number of offices
1
Most active in
Real Life Planning has reported serving >5 clients in these states in the last 12 months.
California · Florida · New Jersey · New York · Texas · Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
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
LinkedIn
Facebook
X
Instagram
YouTube
Website
908-274-1298
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