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Collaborate With Us – How We Help You

Does this sound like you?

Welcome! If you've come to Real Life Planning, chances are you are someone who has bigger goals than just living paycheck to paycheck. You see your income as a tool to build real financial independence for yourself and your family. That's why you work hard to develop the right financial habits so you can save and invest. 

LIFT Off To Financial Independence

Best for people who have mastered the financial basics and are looking to build on their financial foundation.


Your Financial Future

Best for people just getting started (or restarted) on their financial journey who are looking to develop excellent  financial habits.


AIM To Achieve Your Short-Term Goals

Best for individuals looking to answer a specific financial question within a short time frame.


What's Involved In Our Planning Process?

Are we right for each other? Schedule a free virtual consultation to take us for a test drive. Book through our online scheduler.

Choose the solution (LIFT, LAUNCH, AIM, LIVE, LEARN) that fits your needs and life stage. Your fee for financial planning, income coaching, investment strategy and optional investment management is transparent and affordable, with no commissions or product sales, ever.

We listen deeply and learn more about you and your goals. Real Life Planning is a judgment-free zone.

We get to work designing a plan and strategy for you to realize your financial potential.
Get Started Today –
Schedule A Consultation

Collaborate with you to prioritize action steps and help you implement them over time. For LIFT clients, we'll talk every month and work behind the scenes so you can make progress at a realistic pace.

Monitor, adjust your goals and strategy as life happens.

Frequently Asked Questions At Real Life Planning

Q: Do I have to live in the NY area or can you work with me remotely?

A: Real Life Planning offers in person and virtual financial planning. We  can work with clients anywhere via video-conference and toll-free telephone calls.

Q: Can I use your services if I’m not interested in investment real estate?

A: Of course. Direct investment in real estate isn’t for everyone. We offer financial life planning, investment advice and income coaching.

Q: Will you recommend specific investment properties for me?

A: No. We will, however, give you guidance on the financial aspects as well as potential risks and benefits of what you are considering and help you evaluate whether the numbers make sense for you.

We offer financial planning, investment advice and income coaching.  As financial mentors, our goal is  to give you the tools to evaluate your options, weigh the pros and cons and make wise choices with all your investments, including your real estate.

Real Life Planning does not execute real estate property assessments, appraisals, title search, nor any other evaluation as to the current ownership status, lending, liens, or the condition of any real estate property.

Q: Do you have an asset minimum?

A: No. We believe everyone deserves excellent financial advice and guidance, regardless of age or net worth.  We have solutions for people at different life stages.

Q: What areas are typically covered in financial planning?

A: See services below:

  • Cashflow management and spending plan
  • Tax planning and tax minimization
  • Retirement planning
  • Investment strategy (both securities and direct real estate)
  • Planning for and analysis of your rental business
  • Financial independence planning
  • Employee benefits
  • Stock compensation
  • Other outside income or side hustle
  • Insurance coverage
  • Credit management
  • College planning
  • Estate planning
  • Philanthropy 

Q: What is your investment philosophy?

A: Every LIFT client receives an Investment Policy Statement (IPS) based on your risk tolerance, financial position and investment objectives. An IPS is a constitution for your portfolio that we will use as a guide to make investment decisions – both in accounts we manage for you, and for accounts you manage yourself.  

Q: If I choose to implement my investment strategy with you, where are my investments held?

A: If you choose to implement your investing strategy with us, your accounts will be held at TD Ameritrade.  You will have full online access and a mobile app to review your account.

Q: Do I have to open investment accounts with you?

A: No. We can include a review of accounts you hold in different institutions which you share with us and include them in your Investment Policy Statement.  However, you will be responsible for implementing your investment decisions for accounts held outside of our custodian.

Q: What do Fee Only  and “Fiduciary mean? Are you both?

A: Yes! In fact, those are our favorite F words. Fee-Only means that we’re compensated solely by clients, and not by commissions or product sales. We have a fiduciary responsibility to our clients to act in your best interest at all times. Want to learn more? See NAPFA and the Fee-Only Network.

Q: Will you sign a Fiduciary oath?

A: Yes, we have. See our XY Planning Network profile to view it here.