Joseph P. Downs

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CRD#: 2416480

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Joseph Patrick Downs, CFP® was a registered financial professional .

Joseph is a previously registered financial professional and started their career in finance in 1993. Joseph had worked at 6 firms and has passed the Series 65, Series 63 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2007

Experience

Past

April 5, 2007 - December 13, 2024

REALITY FINANCIAL PLANNING SERVICES, LLC

RIA

CRD#: 143352

SARASOTA, FL

Past

October 6, 2004 - March 5, 2007

MOMENTUM INDEPENDENT NETWORK INC.

RIA

CRD#: 17587

SARASOTA, FL

Past

September 30, 2004 - March 5, 2007

MOMENTUM INDEPENDENT NETWORK INC.

CRD#: 17587

SARASOTA, FL

Past

January 31, 2002 - September 29, 2004

CUNA BROKERAGE SERVICES, INC.

RIA

CRD#: 13941

SARASOTA, FL

Past

January 31, 2002 - September 29, 2004

CUNA BROKERAGE SERVICES, INC.

CRD#: 13941

WAVERLY, IA

Past

September 7, 2000 - June 7, 2001

NATIONWIDE INVESTMENT SERVICES CORPORATION

CRD#: 7110

COLUMBUS, OH

Past

April 3, 2000 - September 5, 2000

CAMBRIDGE INVESTMENT RESEARCH, INC.

CRD#: 39543

FAIRFIELD, IA

Past

October 19, 1994 - March 31, 2000

NATIONWIDE INVESTMENT SERVICES CORPORATION

CRD#: 7110

COLUMBUS, OH

Past

November 12, 1993 - October 4, 1994

WALNUT STREET SECURITIES, INC.

CRD#: 15840

EL SEGUNDO, CA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

REALITY FINANCIAL PLANNING SERVICES, LLC

DOWNS, JOSEPH P | REALITY FINANCIAL PLANNING SERVICES, LLC

CRD#: 143352 / SEC#: 801-134520

RIA

Registered Investment Advisory firm - (11/13/2025 Approved)

Florida

Registered Investment Advisory firm - (4/5/2007 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 6/14/2000

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 11/15/1993

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 11/11/1993

General Securities Representative Examination

Current Firm

REALITY FINANCIAL PLANNING SERVICES, LLC

DOWNS, JOSEPH P | REALITY FINANCIAL PLANNING SERVICES, LLC

CRD#: 143352 / SEC#: 801-134520

RIA

Registered Investment Advisory firm - (11/13/2025 Approved)

Florida

Registered Investment Advisory firm - (4/5/2007 Approved)

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Contact information

Main Address

3947 Clark Road, Sarasota, FL 34233

Mailing Address

Phone number

(941) 366-5700

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (1 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

REALITY FINANCIAL PLANNING SERVICES, LLC FORM ADV PART 2A - NOV 2025 (11/14/2025)

Regulatory assets under management

Total Number of Accounts	460
AUM (Assets Under Management)	$ 116,716,389

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Joseph P. Downs

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

MOMENTUM INDEPENDENT NETWORK INC.

MOMENTUM INDEPENDENT NETWORK INC.

CUNA BROKERAGE SERVICES, INC.

CUNA BROKERAGE SERVICES, INC.

NATIONWIDE INVESTMENT SERVICES CORPORATION

CAMBRIDGE INVESTMENT RESEARCH, INC.

NATIONWIDE INVESTMENT SERVICES CORPORATION

WALNUT STREET SECURITIES, INC.

Primary Firm SEC Registration

REALITY FINANCIAL PLANNING SERVICES, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 6/14/2000

Series 63

Date: 11/15/1993

Series 7

Date: 11/11/1993

Current Firm

REALITY FINANCIAL PLANNING SERVICES, LLC

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

REALITY FINANCIAL PLANNING SERVICES, LLC

TRUST BUT VERIFY

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