About Us
Your Mission is to Help Others. Our Mission is to Help You Retire with Confidence.
As trusted financial advisors, we specialize in helping educators, healthcare professionals, government employees, and non-profit workers build the retirement they deserve. Your commitment to public service deserves expert financial guidance.
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Your Financial Future: Built for Florida's Public Service Heroes
Deep Public Sector Expertise
As financial advisors dedicated to Florida's public servants, we bring specialized knowledge of FRS, DROP, and state benefit systems. Whether you're a classroom teacher shaping young minds, a firefighter protecting our communities, or a government employee keeping our state running, we understand your unique financial landscape.
Your Path to Financial Confidence
We transform complex pension decisions into clear action plans, helping you optimize your FRS benefits, maximize Social Security timing, and create tax-efficient retirement income streams. Our objective guidance ensures every financial decision aligns with your service-driven career and retirement dreams.
Retirement Income Planning: Securing Your Financial Freedom

1

Comprehensive Financial Assessment
We conduct a thorough evaluation of your retirement portfolio, including 403(b) plans, pension benefits, and investment accounts to build a complete picture of your financial resources and future potential.

2

Customize Your Income Blueprint
Our experts design a sustainable income distribution strategy that aligns with your lifestyle goals, optimizes tax efficiency, and provides reliable cash flow throughout your retirement years.

3

Active Management & Protection
We proactively manage your retirement strategy through dynamic monitoring and strategic adjustments, safeguarding your financial future against inflation, market volatility, and changing economic conditions.
Maximizing Your 403(b) Contributions
Follow these strategic steps to optimize your retirement savings through your 403(b) plan.
1
Master Annual Contribution Limits
Stay within your contribution limit while maximizing tax advantages. Strategic pre-tax contributions can significantly reduce your annual tax burden.
2
Capture Every Employer Match
Don't miss out on employer matching contributions. We'll help you optimize your contribution rate to secure this valuable benefit, effectively doubling your investment.
3
Accelerate Savings After 50
Take advantage of the $7,500 catch-up provision once you reach 50.
4
Maximize Tax-Advantaged Growth
Benefit from tax-deferred growth potential. Your investments grow without annual taxation, substantially increasing your long-term retirement savings.
Integrating Social Security & Pension Benefits
Optimized Benefit Claiming
Strategic timing decisions to maximize your lifetime Social Security benefits
Pension Analysis
Expert guidance to help you select the best pension distribution options for long-term security
403(b) Integration
Careful coordination of retirement accounts with other income streams
Tax Efficiency
Strategic planning to minimize the tax burden on your retirement income
Our comprehensive retirement income strategy helps you make informed decisions about when and how to claim your benefits. We provide detailed analysis of your pension options, coordinate your 403(b) withdrawals, and optimize your Social Security claiming strategy. This integrated approach helps maximize your retirement income while minimizing taxes, ensuring you can enjoy the secure retirement you've worked so hard to achieve.
Tax-Efficient Strategies for Your Retirement
Strategic Withdrawals
Optimize the timing and sequence of retirement account withdrawals to preserve wealth, minimize tax liability, and maintain your desired lifestyle in retirement.
Roth Conversions
Transform your retirement savings through strategic Roth conversions, creating opportunities for tax-free growth and flexible income options in your golden years.
RMD Planning
Navigate Required Minimum Distributions with confidence, implementing smart strategies to meet IRS requirements while maximizing your retirement income potential.
Tax Loss Harvesting
Transform market downturns into tax advantages by strategically harvesting investment losses, potentially saving thousands in taxes while maintaining your optimal portfolio balance.
Financial Planning for Every Stage

1

Debt Management
Strategic solutions to eliminate debt while building wealth. We help you create a balanced approach to debt reduction that doesn't compromise your long-term financial growth.

2

Retirement Savings
Optimizing investment strategies for long-term growth. Our sophisticated approach helps you maximize contributions and select investments aligned with your goals and risk tolerance.

3

Income Planning
Designing sustainable, tax-efficient retirement income streams. We create comprehensive withdrawal strategies that help maintain your lifestyle while minimizing tax impact.

4

Legacy Planning
Preserving and transferring wealth with purpose and efficiency. Our strategic approach helps ensure your assets benefit future generations while minimizing tax implications.
Our expertise guides you through each financial milestone, from conquering debt to building lasting wealth. We combine sophisticated planning tools with personalized attention to help you achieve your goals. As your life evolves, our dynamic strategies adapt to ensure your financial plan remains aligned with your vision for the future.
Meet Our Experienced Team
John Cunningham III, CFP®
As a CERTIFIED FINANCIAL PLANNER™ professional with over a decade of dedicated service, John has transformed the financial futures of countless education, medical, and nonprofit professionals in Sarasota. His personalized approach combines deep technical expertise with a genuine commitment to understanding each client's unique aspirations.
Nick Gyeszat, CFP®
Combining his roles as a CERTIFIED FINANCIAL PLANNER™ professional and Certified Investment Management Analyst®, Nick has mastered the art of making complex financial strategies accessible. His talent for clear communication and strategic planning helps clients navigate crucial financial decisions with confidence and clarity.
Our Commitment to You
Trusted Fee-Only Fiduciary
As your dedicated fiduciary advisor, we eliminate conflicts of interest with 100% transparent, fee-only compensation - no commissions, no hidden costs.
Florida Retirement Experts
With deep expertise in the Florida Retirement System (FRS), we help you optimize your public sector benefits and make confident pension decisions.
Truly Personal Approach
We craft retirement plans that reflect your individual dreams, values and circumstances - because your financial future is as unique as you are.
Lifelong Partnership
From pre-retirement planning to income distribution strategies, we provide unwavering support and guidance through every financial milestone ahead.
Begin Your Journey to Financial Confidence
Start With No Obligations
Begin with a complimentary, relaxed consultation where we listen to your dreams and share how we can help make them reality.
Experience Our Efficient Process
In just 30 minutes, gain fresh insights and perspectives that could reshape your retirement future.
Receive Complete Dedication
Benefit from our total commitment to transforming your retirement vision into a well-crafted plan.
Your path to a confident retirement begins with a simple conversation. Let's meet at our welcoming Sarasota office to craft your personalized retirement strategy together. Find us at 3947 Clark Road, Sarasota, Florida 34233.
Ready to get started? Contact us: (941) 366-5700 | Email: inquire@realityfinancialplanning.com
Important Disclosures
Reality Financial Planning Services, LLC (RFPS) is an Investment Adviser registered with the State of Florida.
All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services.
Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or completeness of any description of securities, markets or developments mentioned.
Please contact us if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.
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All rights herein are copyright protected and may not be reproduced without the express written permission of the copyright owner.