Who We Are Joe Downs, CERTIFIED FINANCIAL PLANNER™  professional, RFPS President and Principal Joe Downs founded RFPS after serving as Vice President of Advisory Services for a credit union in Sarasota, FL.  For years, Joe observed an entire demographic whose financial planning needs were neglected or underserved.  He created RFPS to help Real People realize their economic potential. Joe Downs’ affiliations and background: President and Principal of Reality Financial Planning Services, LLC Member of Financial Planning Association Certified Financial Planner Board of Standards certificant Member Garrett Planning Network 25+ years in financial services Reality Financial Planning Services - registered in Florida - Fee-Only Advice RFPS is a fee-only, financial planning firm with No Minimum Asset or net worth requirements. Fee-only means commissions and third-party compensations are refused. Our passion is providing independent, objective advice. RFPS most commonly assists individuals, families and small businesses with the following: Set clear financial goals Manage your money Measure your progress Achieve financial planning success Cash management Investment selection and management (if requested) Tax planning Retirement planning Estate planning Real Solutions! Email or call today. Let’s Get Acquainted 941.366.5700 CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.