Welcome to Reality Financial Planning Services, LLC (RFPS). RFPS is a fee-only, financial planning firm with no minimum asset or net worth requirements. We are located in Sarasota, Florida and serve clients locally, including in Bradenton, Lakewood Ranch, Venice, and Nokomis. "Fee-only" means no commissions or third-party compensation is ever accepted. The firm is dedicated to providing individuals, families and small businesses with independent, objective advice.
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​Joe Downs, CFP®
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John Cunningham III, CFP®

​Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime.”
– Anne Isabella Thackeray Ritchie

“You can have everything in life you want if you just help enough other people get what they want.”
​– Zig Ziglar

The above axioms epitomize the firm's passion​ for providing financial guidance ​to middle income families and business owners.