John Cunningham III


Reality Financial Planning Services, LLC

Financial Advisor

John Cunningham III


Reality Financial Planning Services, LLC

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - John Cunningham III, CFP®

Fee-Only financial planner with no minimum asset or net worth requirements located in Sarasota, FL, serving clients locally, including in Bradenton, Lakewood Ranch, Venice, and Nokomis.

John Cunningham III is a Lakewood Ranch, FL fee-only financial advisor serving clients locally and across the country. Reality Financial Planning Services, LLC provides comprehensive financial planning to help middle income individuals and families and small businesses organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, John Cunningham III is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

John Cunningham III has over ten years of experience in financial services. A Florida native, his career started in banking after graduating from The University of Florida. It was banking where he first developed a love of helping individuals, families, and small business owners achieve financial success. John then transitioned to a role that gave him the opportunity to create comprehensive financial plans for clients on a daily basis. For the past two years, he has been delivering income, risk, incapacity, and estate planning to education, medical, and non-profit professionals in Sarasota. He joined RFPS because the firm’s fee-only financial planning focus allows him to always put his clients’ best interest first.

John Cunningham III is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

​Reality Financial Planning Services, LLC (RFPS), is a State of Florida Registered Investment Advisor. RFPS is a fee-only, financial planning firm with no minimum asset or net worth requirements. "Fee-only" means no commissions or third-party compensation is ever accepted. The firm is dedicated to providing individuals, families and small businesses with independent, objective advice.

RFPS most commonly assists individuals, families and small businesses:​

  • 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

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact John Cunningham III

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Office Locations:

  • 3947 Clark Road
    Sarasota, FL 34233

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