Fruitage Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Fruitage Financial provides investment management and planning services to individuals (including high-net-worth clients), pension and profit-sharing plans, charitable organizations, corporations, and other advisers. Services described in the brochure include ongoing portfolio management, comprehensive and subscription financial planning, pension consulting for 3(21)/3(38) plans, financial consulting, and estate planning assistance delivered via a third‑party platform.
The firm operates as a fee-only fiduciary and documents client objectives and risk tolerance in an Investment Policy Statement that guides portfolio construction and monitoring. Investment implementation blends modern portfolio theory with both passive and active vehicles and draws on fundamental, technical, cyclical, and charting analysis; trading for most client accounts is conducted on a non‑discretionary basis, while third‑party platforms used by the firm may exercise discretionary authority for certain accounts.
Compared with many peers, Fruitage Financial reports the bulk of its regulatory AUM as non‑discretionary (the brochure discloses about $83.4 million in non‑discretionary AUM), a practice that is relatively uncommon among supported firms and means clients typically approve trades before execution. The firm also uses third‑party managers and institutional platforms (AssetMark/SEI) and employs a third‑party estate‑planning technology, and its principal holds the CFA charter, which is a professional credential noted in the brochure.
Client services
Expertise
Fee options
Financial planning fixed fees generally between $2,000 and $5,000; $2,500 negotiated set-up fee for pension consulting; $1,000 typical for estate planning assistance.
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.85% $3,000,001 - $5,000,000: 0.75% $5,000,001+: 0.50%
$300 per hour for financial planning and financial consulting
Ongoing financial planning subscription fees typically between $500-$5,000 per quarter
Fee-only: Negotiable fixed fees up to $5,000 for financial planning; $300/hour for financial and consulting services; $500-$5,000 per quarter for ongoing financial planning subscription; $1,000 typical for estate planning assistance fees.
Main office
2580 East Harmony Rd., Suite 301 50
Fort Collins CO 80528
Advisors at this office
1
Most active in
California · Colorado · Florida · Missouri
Also doing business as
Fruitage Financial · Fruitage Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")