Real World Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$0
Clients
223
Advisors
1
of 2 employees
About
Real World Financial Planning serves individual clients, families, trusts and estates with fee-only financial planning and investment advice delivered primarily on a project or hourly basis. The firm offers a set of scoped engagements (early-career checkups, mid-career planning, portfolio reviews, retirement planning and customized projects) and estimates fees for those fixed-fee or hourly engagements rather than relying on ongoing asset-based billing.
Its investment advice emphasizes globally diversified, passive strategies using low-cost index funds and ETFs, with attention to tax-efficient asset location, rebalancing and retirement withdrawal sequencing. The firm provides investment recommendations and planning guidance but does not exercise discretionary portfolio management or custody client assets; clients maintain their own accounts at qualified custodians and implement trades through their chosen providers.
Compared with peers, Real World Financial Planning is notable for serving a relatively large client base per advisor while operating without percentage-of-AUM billing or ongoing portfolio management, a combination that is uncommon among supported firms. The firm follows a fiduciary, fee-only model (no commissions, no 12b‑1 or performance fees), structures work as finite projects or hourly engagements, and focuses on planning-forward, implementation-by-client arrangements.
Client services
Expertise
Demographic focus
Fee options
Fixed/project fees for new clients: $1,500 - $2,500 (Early Career Checkup), $2,500 - $4,500 (Mid-Career Planning), $3,000 - $4,000 (Portfolio Review), $4,000 - $6,000 (Retirement Planning) depending on complexity and client type
$375/hour billed in fifteen-minute increments for returning clients and customized engagements
Fee-only: Fixed fees ranging from $1,500 to $6,000 depending on service and complexity; Hourly rate of $375/hour for returning clients and customized engagements
Main office
Chestnut Hill MA
Advisors at this office
1
Most active in
Massachusetts
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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