Reality Financial Planning Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Reality Financial Planning Services is a fee-only advisory firm that serves individuals, families, high-net-worth clients, corporations, and certain foundations or charities. The firm offers comprehensive financial planning on an hourly or fixed-fee basis, ongoing discretionary investment supervisory services, and consultation, managing roughly $126 million for about 214 client accounts with two advising professionals.
The firm operates under a fiduciary standard and typically pursues a long-term, Modern Portfolio Theory–based approach that emphasizes cost-efficient index funds, ETFs and ETNs while permitting individual equities and fixed income where appropriate. Portfolios are customized with investment policy statements, periodic rebalancing, and use Monte Carlo analysis and scenario/stress testing to address tail-risk and downside concerns.
What sets the firm apart from many similarly sized supported advisers is its public education activity: Reality Financial Planning regularly provides speaking engagements and workshops on asset and retirement planning that are educational in nature (most offered pro bono, with some sponsored events subject to negotiated fees). The firm also notes no formal account minimums for its investment supervisory services and offers both hourly and fixed-fee planning arrangements, with the possibility of waiving planning fees when clients move into ongoing advisory relationships.
Client services
Expertise
Fee options
Fixed fees ranging from $75 to $150 per quarter for ongoing assistance after plan delivery
$0 - $500,000: 0.75% annually $500,000 - $750,000: 0.60% annually $750,000 - $1,000,000: 0.50% annually $1,000,000+: 0.30% annually
$175 to $250 per hour for financial planning services
Fixed fee subscriptions ranging from $75 to $150 per quarter (quarterly, in advance) for ongoing assistance
Fee-only: Financial planning services: $175 to $250 per hour; Fixed fees: $75 to $150 per quarter
Main office
3947 Clark Road
Sarasota FL 34233
Advisors at this office
2
Most active in
Florida
Also doing business as
Downs, Joseph P · Reality Financial Planning Services, 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.
Advisors at this firm
Nicholas G
CFP®, Series 63, Series 65
Sarasota, FL
Reality Financial Planning Services, LLC
Nicholas Gyeszat is a CFP® professional with 11 years of industry experience, currently serving at Reality Financial Planning Services, LLC. His prior experience includes roles at Bison Advisors, truAdvice, LLC, The Sleight Group/TruAdvice Wealth Management, and Global Financial Private Capital, LLC. Reality Financial Planning Services, LLC is a fee-only advisory firm providing financial planning and discretionary portfolio management to individuals, families, corporations, foundations, and charitable organizations. The firm manages approximately $116.7 million across 200 client relationships, employing a long-term, asset-allocation approach that emphasizes cost-efficient index funds, ETFs/ETNs, and scenario analysis, and is noted for its public education initiatives through workshops and speaking engagements.
John C
CFP®, Series 65, Series 63
Sarasota, FL
Reality Financial Planning Services, LLC
John Cunningham III is a Certified Financial Planner® with ten years of industry experience. He has worked at Reality Financial Planning Services, LLC since 2020 and previously held positions at TIAA-CREF and Global Financial Private Capital, LLC. Reality Financial Planning Services is a fee-only advisory firm serving individuals, families, high-net-worth clients, corporations, and certain foundations or charities. The firm follows a fiduciary standard and employs a long-term, Modern Portfolio Theory–based investment approach focused on cost-efficient index funds, ETFs, and ETNs, while customizing portfolios through investment policy statements, rebalancing, and scenario analysis.
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