# Realistic Financial Planning

Realistic Financial Planning is an independent financial advisory firm based in Buntingford, Hertfordshire, serving individuals, families and businesses across the region. Founded by experienced financial planners Richard and Demitrius, the firm specialises in delivering personalised financial advice tailored to each client's unique circumstances and life goals.

The firm operates with a refreshingly transparent approach to fees, charging fixed bespoke rates based on the actual work undertaken rather than assets under management. This means clients pay for the value they receive, not the size of their portfolio. All work and fees are agreed upfront, eliminating hidden costs or unwelcome surprises.

What distinguishes Realistic Financial Planning is its collaborative, holistic methodology. Rather than operating in isolation, the firm works closely with accountants, solicitors and other professionals to deliver joined-up solutions that address clients' broader financial and legal picture. This integrated approach ensures advice considers tax implications, estate planning requirements and legal structures alongside investment and protection strategies.

The team demonstrates genuine expertise across retirement planning, personal and business protection, investments, tax planning and estate planning. They prioritise building long-term relationships with clients, providing ongoing support to help achieve financial objectives over time rather than seeking quick transactions.

The firm welcomes new clients with a free, no-obligation initial meeting, allowing prospective clients to explore their needs without commitment. This accessible entry point reflects their client-focused philosophy and confidence in their ability to deliver meaningful value.