{"url":"https://nivawealth.com/firms/reality-financial-planning-services-143352","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/143352","regulatoryAum":125936912,"crd":"143352","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6543551","suffix":"III","lastName":"Cunningham","firstName":"John","middleName":"Joseph"},{"crd":"6399162","suffix":null,"lastName":"GYESZAT","firstName":"NICHOLAS","middleName":"PAUL"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-134520","legalName":"Reality Financial Planning Services, LLC","displayName":"Reality Financial Planning Services","slug":"reality-financial-planning-services-143352","website":"https://realityfinancialplanning.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"3947 Clark Road","city":"Sarasota","state":"FL","stateName":"Florida","country":"United States","postalCode":"34233"},"tradeNames":[],"registration":{"secApproved":"13 November 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":574536.5981308412,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":125936912,"discretionary":125936912,"discretionaryAccounts":477,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":29},"clientTypes":[{"label":"Individuals (other than HNW)","clients":181,"regulatoryAum":54394634},{"label":"High-net-worth individuals","clients":33,"regulatoryAum":68556198},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":2986080}],"feePrograms":[{"role":"main","program":"Investment Supervisory Services","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":0.75,"from":0},{"to":750000,"pct":0.6,"from":500000},{"to":1000000,"pct":0.5,"from":750000},{"to":null,"pct":0.3,"from":1000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022522","versionId":1022522,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-20","documentName":"REALITY FINANCIAL PLANNING SERVICES, LLC FORM ADV PART 2A - 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Reality Financial Planning Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Reality Financial Planning Services charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Reality Financial Planning Services use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Reality Financial Planning Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Reality Financial Planning Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Reality Financial Planning Services?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Reality Financial Planning Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Reality Financial Planning Services?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/reality-financial-planning-services-143352/holdings","form":"13F-HR","periodOfReport":"2026-03-31","filedOn":"2026-04-24","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2110687/000211068726000002/0002110687-26-000002-index.html","totalValue":103630152,"positionCount":20,"top10Share":0.9060991245096311,"top10":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":22317148,"shares":69565,"shareType":"SH"},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"HIGH DIV YLD","cusip":"921946406","value":17422484,"shares":117640,"shareType":"SH"},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":17279550,"shares":80348,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":8402893,"shares":12864,"shareType":"SH"},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":7690962,"shares":104440,"shareType":"SH"},{"issuer":"WISDOMTREE TR","titleOfClass":"FLOATNG RAT TREA","cusip":"97717Y527","value":7173148,"shares":142494,"shareType":"SH"},{"issuer":"VANGUARD WORLD FD","titleOfClass":"UTILITIES ETF","cusip":"92204A876","value":3770208,"shares":19028,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"MSCI USA MIN VOL","cusip":"46429B697","value":3466899,"shares":37383,"shareType":"SH"},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":3193905,"shares":5345,"shareType":"SH"},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":3181993,"shares":5513,"shareType":"SH"}],"positionsListed":20,"positions":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":22317148,"shares":69565,"shareType":"SH"},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"HIGH DIV YLD","cusip":"921946406","value":17422484,"shares":117640,"shareType":"SH"},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":17279550,"shares":80348,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":8402893,"shares":12864,"shareType":"SH"},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":7690962,"shares":104440,"shareType":"SH"},{"issuer":"WISDOMTREE TR","titleOfClass":"FLOATNG RAT TREA","cusip":"97717Y527","value":7173148,"shares":142494,"shareType":"SH"},{"issuer":"VANGUARD WORLD FD","titleOfClass":"UTILITIES ETF","cusip":"92204A876","value":3770208,"shares":19028,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"MSCI USA MIN VOL","cusip":"46429B697","value":3466899,"shares":37383,"shareType":"SH"},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":3193905,"shares":5345,"shareType":"SH"},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":3181993,"shares":5513,"shareType":"SH"},{"issuer":"VANGUARD STAR FDS","titleOfClass":"VG TL INTL STK F","cusip":"921909768","value":2824539,"shares":36630,"shareType":"SH"},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"SHT TM US TRES","cusip":"808524862","value":1623857,"shares":66908,"shareType":"SH"},{"issuer":"SPDR SERIES TRUST","titleOfClass":"STATE STREET SPD","cusip":"78464A763","value":1066821,"shares":7310,"shareType":"SH"},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"REAL ESTATE ETF","cusip":"922908553","value":968072,"shares":10914,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"SELECT DIVID ETF","cusip":"464287168","value":952975,"shares":6294,"shareType":"SH"},{"issuer":"PIMCO ETF TR","titleOfClass":"INTER MUN BD ACT","cusip":"72201R866","value":707853,"shares":13563,"shareType":"SH"},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"NASDAQ 100 ETF","cusip":"46138G649","value":705494,"shares":2969,"shareType":"SH"},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":336272,"shares":1325,"shareType":"SH"},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":324458,"shares":1103,"shareType":"SH"},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":220621,"shares":596,"shareType":"SH"}]},"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}