# John Cunningham

> John Cunningham is a fee-only financial advisor at Reality Financial Planning Services in Sarasota, Florida, who holds the CFP credential. John focuses on retirement planning, pension planning and tax planning. Reality Financial Planning Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/john-cunningham-6543551/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Reality Financial Planning Services
- **Based in:** Sarasota, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $125.9M across 477 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Pension planning, Tax planning, Estate & legacy planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 6543551 (https://adviserinfo.sec.gov/individual/summary/6543551)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 63 (2018), Series 65 (2015)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://www.realityfinancialplanning.com

## Frequently asked questions

### Is John Cunningham a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: John holds no broker registration, and Reality Financial Planning Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does John charge for financial advice?

John's firm, Reality Financial Planning Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is John Cunningham based?

John Cunningham is based in Sarasota, Florida.

### What does John specialize in?

John's specialties include retirement planning, pension planning, tax planning and estate & legacy planning. John works with retirees and pre-retirees.

### What credentials does John Cunningham hold?

John Cunningham holds the CFP credential.

### Is John Cunningham registered with the SEC?

Yes. John Cunningham is registered as an investment adviser representative in FL (CRD 6543551), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Reality Financial Planning Services manage?

Reality Financial Planning Services reports $125.9M across 477 accounts in assets under management.

### How do I contact John Cunningham?

Through John's website, www.realityfinancialplanning.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6543551): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://realityfinancialplanning.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.