Joe Downs, CFP®, Founder Independent, Objective, Fee-Only Financial Advice Fee-Only means No Conflict of Interest. Reality Financial Planning Services refuses commissions or kickbacks, so our motives are undiluted and our commitment to you uncompromised. Our sole interest is helping you achieve your financial life of significance. No Account Minimums Finally, financial success available for everyone. For the affluent or average, RFPS offers financial planning services to empower people in all stages of the financial cycle. Real Solutions for Real People. Comprehensive or Hourly, Needs-based Services We offer needs-based services and consultations, allowing our clients to select only what they need, and create or review a financial plan at accessible hourly rates. For our clients ready for more comprehensive asset management we offer on-going services on a retainer basis. Real Solutions! Email or call today – to set up your FREE, no obligation meeting 941.366.5700.