Reality Financial Planning Services provides financial planning, portfolio management for individuals and small businesses, and educational seminars. Financial planning was provided to 101–250 clients last fiscal year.
Reality Financial Planning Services reports 214 clients. They include 181 individual clients and 33 high-net-worth individuals. Of its assets, 100.0% ($126M across 477 accounts) are managed with discretion. It advised 29 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 85% | 43% |
| High-net-worth individuals | 15% | 54% |
| Corporations and other businesses | Fewer than 5 | 2% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 181 | $54.4M | 43.2% | $301K |
| High-net-worth individuals | 33 | $68.6M | 54.4% | $2.08M |
| Corporations and other businesses | Fewer than 5 | $2.99M | 2.4% | — |
| Total | 214 | $126M | 100% | — |
- Clients
- 181
- Regulatory AUM
- $54.4M
- AUM share
- 43.2%
- Avg. per client
- $301K
- Clients
- 33
- Regulatory AUM
- $68.6M
- AUM share
- 54.4%
- Avg. per client
- $2.08M
- Clients
- Fewer than 5
- Regulatory AUM
- $2.99M
- AUM share
- 2.4%
- Avg. per client
- —
Total
- Clients
- 214
- Regulatory AUM
- $126M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 29
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Reality Financial Planning Services charges 0.30%–0.75% a year for its Investment Supervisory Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 0.75% |
| $500K–$750K | 0.60% |
| $750K–$1M | 0.50% |
| $1M and above | 0.30% |
Fee details and sources
Other fees
- Hourly Financial Planning
- Financial planning is billed hourly at $175 to $250 by representative, with a deposit of up to $1,200 or half the high-end estimate.
- Ongoing Financial Planning
- After a plan is delivered, ongoing planning is a fixed fee of $75 to $150 per quarter, paid in advance.
John Cunningham owns 75% or more of Reality Financial Planning Services. The leadership team of Reality Financial Planning Services includes Chief Compliance Officer John Cunningham. It has 2 employees.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Reality Financial Planning Services, LLC
John Cunningham
Control person · since January 2023
Besides its headquarters, Reality Financial Planning Services has 0 offices, with 1 listed address in 1 state.
Florida · 1 listed address
- 3947 Clark Road, SarasotaHQ
Contact and registration details
- Legal name
- Reality Financial Planning Services, LLC
- Headquarters
- 3947 Clark Road, Sarasota, FL 34233
- Website
- realityfinancialplanning.com
- Phone
- 941-366-5700
- SEC file
- 801-134520
- Structure
- Florida LLC
- Fiscal year end
- December
Reality Financial Planning Services’ named custodian for separately managed accounts is Charles Schwab ($126M). Reality Financial Planning Services does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $126M100%
At year end, Reality Financial Planning Services’ separately managed accounts were mostly in funds (86%) and cash (12%). Its reported 13F holdings for the quarter ended 31 March 2026 total $104M across 20 positions; the largest are Vanguard Index Fds (21.5%), Vanguard Whitehall Fds (16.8%) and Vanguard Specialized Funds (16.7%).
What the accounts hold
- Stocks2%
- Funds86%
- Cash12%
How many clients does Reality Financial Planning Services have?
Reality Financial Planning Services has 214 clients and manages $126 million for them, as of March 2026. They include 181 individual clients and 33 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026
What services does Reality Financial Planning Services offer?
Reality Financial Planning Services provides financial planning, portfolio management for individuals and small businesses, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Reality Financial Planning Services charge?
Reality Financial Planning Services charges 0.30%–0.75% a year for its Investment Supervisory Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Source: REALITY FINANCIAL PLANNING SERVICES, LLC FORM ADV PART 2A - MAR 2026, filed 20 March 2026
Which custodians does Reality Financial Planning Services use?
Reality Financial Planning Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $126M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026
How many financial advisors does Reality Financial Planning Services have?
Reality Financial Planning Services has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Reality Financial Planning Services invest in?
At the end of its last fiscal year, Reality Financial Planning Services’ separately managed accounts held 86% registered funds (mutual funds, ETFs, BDCs), 12% cash and equivalents and 2% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Reality Financial Planning Services?
Reality Financial Planning Services’ direct owner is John Cunningham (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 20 March 2026
How does Reality Financial Planning Services get paid?
Reality Financial Planning Services is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Reality Financial Planning Services?
Reality Financial Planning Services’ main office is at 3947 Clark Road, Sarasota, FL 34233. Its phone number is 941-366-5700. Its website is realityfinancialplanning.com.