Smooth Slider

Comprehensive or Hourly, Needs-Based Services - Focused on YOU!

We offer needs-based services and consultations, enabling our clients to select only what they need, and create or review a financial plan at accessible hourly rates. For clients ready for more comprehensive asset management, we offer on-going services on a retainer basis.

No Account Minimums

Finally, financial success available for everyone. Reality Financial Planning Services offers financial planning services to empower people in all stages of the financial cycle regardless of their net worth. Real Solutions for Real People.

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.

Joe Downs, CFP®

Joe Downs, CFP®

Founder, Principal

“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 Joe’s passion for providing financial guidance to clients, classroom students, and social media followers.

Steps to Success


Discuss goals and define scope of engagement

Gather Data

Refine goals and gather financial data

Develop Strategies

Create action plans for financial success

Implement Solutions

Take action to bring goals to reality

Monitor Success

Review progress and adjust as necessary