John J. Cunningham

REALITY FINANCIAL PLANNING SERVICES

Sarasota, FL 34233

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CRD#: 6543551

Professional summary

John Joseph Cunningham III, CFP®, who also goes by John Joseph Cunningham III, John Cunningham, is a registered financial advisor currently at REALITY FINANCIAL PLANNING SERVICES, LLC located in Sarasota, Florida.

John is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2015. John has worked at 3 firms and has passed the Series 63, Series 65, SIE and Series 7 exams.

Question & Answer

What are your service offerings?

Comprehensive Financial Planni...

Debt Management

Investment Planning

Retirement Income Management

Retirement Planning

Do you have an area of expertise or specialization?

Hourly

Investment Advice with Ongoing...

Investment Advice without Ongo...

Middle Income Client Needs

Retirement Planning & Distribu...

Tax Planning

Are you a "fiduciary"?

Yes

Aliases

John Joseph Cunningham Iii | John Cunningham

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) - RIA

Click below to view John Joseph Cunningham III's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

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: 2017

Experience

Current

November 16, 2020 - Present

REALITY FINANCIAL PLANNING SERVICES, LLC

Office #1: 3947 Clark Road, Sarasota, FL 34233

RIA

CRD#: 143352

Sarasota, FL

Past

June 11, 2018 - November 5, 2020

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

CRD#: 20472

SARASOTA, FL

Past

June 8, 2018 - November 5, 2020

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

RIA

CRD#: 20472

SARASOTA, FL

Past

September 11, 2015 - May 14, 2018

GLOBAL FINANCIAL PRIVATE CAPITAL, INC.

RIA

CRD#: 132070

SARASOTA, FL

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.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Florida
(11/16/2020)

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

Series 63

Date: 6/21/2018

Uniform Securities Agent State Law Examination

State Security Law Exam

IAR

Series 65

Date: 9/1/2015

Uniform Investment Adviser Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 6/11/2018

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.

Contact information

(xxx) xxx-xxxx

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Firm Stability Insights

John J. Cunningham

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view John Joseph Cunningham III's CRS (Customer Relationship Summary).

Certified licenses

Experience

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

GLOBAL FINANCIAL PRIVATE CAPITAL, INC.

Primary Firm SEC Registration

REALITY FINANCIAL PLANNING SERVICES, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 6/21/2018

Series 65

Date: 9/1/2015

SIE

Date: 10/1/2018

Series 7

Date: 6/11/2018

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

Contact information

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