Fruitage Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$78,131,466
Clients
56
25% high-net-worth
Advisors
1
of 3 employees
Firm type
Supported
1-4 advisors or >$200M in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
56
TypicalAverage account size
$1,395,205
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
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Charitable giving & philanthropy
Business succession planning
Cash flow / budgeting
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 location
Fruitage Financial LLC
2580 East Harmony Rd., Suite 301 50
Fort Collins CO 80528, United States
Number of offices
1
Most active in
Fruitage Financial LLC has reported serving >5 clients in these states in the last 12 months.
California · Colorado · Florida · Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
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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.
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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
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