Financial Planning for Real People PLLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$5,486,059
Clients
18
6% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
18
TypicalAverage account size
$304,781
About
Financial Planning for Real People PLLC provides fee‑only financial planning and discretionary investment management to individuals, high‑net‑worth individuals, and charitable organizations. The firm offers both ongoing and project‑based planning and manages portfolios composed primarily of stocks, bonds, mutual funds, ETFs, U.S. government and municipal securities.
FPRP develops individualized investment policies and target asset allocations based on a client’s age, risk tolerance, tax status and objectives, and employs both passive and active strategies informed by fundamental, technical and modern portfolio theory analysis. The firm also offers a broad planning scope — including business planning, employee benefits optimization, estate and tax planning — and monitors managed accounts quarterly while delivering written financial plans to planning clients.
Although a solo, recently registered adviser with about $2.43 million in discretionary AUM across 15 clients, the firm’s ADV discloses work with charitable organizations and services (e.g., municipal‑security advice and employee benefits consulting) that signal engagement with corporate, pension/profit‑sharing or governmental account types uncommon for a firm of this size. FPRP uses an institutional custodial platform (Altruist) and maintains policies such as not aggregating trades, which may affect execution and operational differences compared with many small independent advisers.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
Occupation focus
Founder/Business Owner
Fee options
Initial fee up to $1,500 for initial comprehensive financial plan (based on $250 hourly rate)
0.85% annually (negotiable)
Hourly rate of $250 for project-based financial planning and initial financial plan construction
Fee-only: Ongoing Financial Planning: $100 to $200 per month or $400 to $800 per quarter, based on hourly rate of $250; Project-Based Financial Planning: hourly rate of $250
Main office location
Financial Planning for Real People PLLC
Seattle WA, United States
Number of offices
1
Most active in
Financial Planning for Real People PLLC has reported serving >5 clients in these states in the last 12 months.
Washington
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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
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