Finances for Real Life fees and pricing

Financial planner in Lompoc, California. Registered with the SEC.

According to its Form ADV Part 2A brochure dated March 24, 2026, Finances for Real Life charges $150⁠-⁠$300 an hour for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 24, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate: $150⁠-⁠$300/hr; “Ad Hoc services, as negotiated, and at the firm's discretion but generally between $150 to $300 per hour.”

Payment and refund terms, quoted from the fee section of the brochure.

“The Account Fee is based on the value of the assets in the account, including cash holdings, and is billable quarterly in advance.”
“Additional deposits and withdrawals will be added or subtracted from portfolio assets on a prorated basis to adjust the Account Fee.”
“Arrears Billing Arrears billing is a necessary adjustment that charges an account for assets deposited before a fee is assessed because advisory accounts are typically billed in advance.”

Its hourly rate of $150-$300 is below the California median of $300. 16% of the 932 other California planners that publish an hourly rate charge less.

How the firm is paid: Hourly fees, percentage of assets under management
Charges a % of assets: Yes
Highest asset based fee in brochure: 1.75% a year
Clients: 128
Employees: 2
Works with: Individuals, high net worth individuals, pension and profit sharing plans, and charities
Services reported to regulators: Financial planning and portfolio management for individuals and small businesses
Assets managed: $108,598,044
Registered with: U.S. Securities and Exchange Commission
Disciplinary disclosures: None reported
SEC CRD number: 324090
Website: financesforreallife.com (opens in new tab)
Phone: (805) 733-2700

Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.