Fruitage Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$82,577,689
Total clients
56
25% high-net worth
Total advisors
1
of 3 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
56
Average account size
$1,474,602
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 location
Fruitage Financial LLC
2580 East Harmony Rd., Suite 301 50
Fort Collins CO 80528, United States
Number of offices
1
Most active in
California · Colorado · Florida · Missouri
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 provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
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. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")