# Finances for Real Life

> Finances for Real Life is an SEC-registered investment advisory firm in Lompoc, CA, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 3, 2026.

- CRD: 324090
- Filed as: FINANCES FOR REAL LIFE
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Lompoc, CA
- Filing period: October 2026
- Form ADV filing dated: June 3, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/324090
- AdvisorCensus page: https://advisorcensus.com/firm/finances-for-real-life-lompoc-ca-324090

## Quick answers

**How is Finances for Real Life compensated?**
On its Form ADV (Item 5.E, October 2026), Finances for Real Life reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Finances for Real Life charge?**
Its Form ADV Part 2A brochure dated March 24, 2026 states: Hourly rate: $150 to $300 an hour (Ad Hoc services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Finances for Real Life located?**
Finances for Real Life's principal office is in Lompoc, CA, according to its Form ADV.

**Is Finances for Real Life registered with the SEC or a state?**
Finances for Real Life is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 324090.

**How much does Finances for Real Life manage?**
Finances for Real Life reports $108,598,044 in regulatory assets under management in its Form ADV filing dated June 3, 2026 (100% discretionary).

**What types of clients does Finances for Real Life serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (84); high net worth individuals (44); pension and profit sharing plans (but not the plan participants or government pension plans) (1).

**Which custodians does Finances for Real Life use?**
Finances for Real Life's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Finances for Real Life report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/324090

**What changed in Finances for Real Life's recent Form ADV filings?**
In the May 2026 filing data: Newly registered with the SEC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 24, 2026)

- Hourly rate: $150 to $300 an hour (Ad Hoc services)

> Ad Hoc services, as negotiated, and at the firm's discretion but generally between $150 to $300 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $108,598,044
- Discretionary: $108,598,044
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 84 | $33,404,076 |
| High net worth individuals | 44 | $72,619,394 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $1,686,233 |
| Charitable organizations | 1 | $888,341 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2026 (0 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, NH, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- financesforreallife.com

## Changes in the filing (last 12 months)

### May 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Finances for Real Life (CRD 324090): Form ADV filing data as of October 2026.