Fruit of the Vine Financial, LLC logo

Fruit of the Vine Financial, LLC

Updated today

Client assets under management

$8,410,560

Clients

9

22% high-net worth

Advisors

1

of 1 employees

Firm type

Independent

1 advisor

Clients per advisor

9

Very Low

Average account size

$934,507

About

Fruit of the Vine Financial, LLC provides investment management, comprehensive and project-based financial planning, and retirement plan consulting and management to individual clients, high-net-worth individuals, and employer plan sponsors. The firm delivers ongoing portfolio supervision and written financial plans and advises on common instruments such as stocks, bonds, mutual funds, ETFs, and municipal and U.S. government securities.

The firm develops client-specific investment policies and asset allocation targets through personal discussions and uses fundamental and cyclical analysis, a mix of passive and active strategies, and selective use of alternative funds. It offers an option for Biblically Responsible Investing for clients who wish to align portfolios with Biblical values and implements portfolios on a discretionary basis while accepting reasonable client-imposed restrictions in writing.

Noteworthy features include managing $8.41 million in discretionary assets across nine client relationships, producing a relatively high assets-per-client ratio for a small adviser, and offering ERISA retirement-plan services that can include acting as an investment manager under section 3(38). The brochure also discloses the firm’s use of the Altruist One subscription and Altruist’s model marketplace (an advisor-paid service the firm monitors for conflicts) and states that trades are executed on an individual-account basis rather than through aggregated block trades.

Client services

Financial planning Portfolio management Retirement plan consulting

Expertise

Retirement income strategy Business ownership considerations Cash flow / budgeting

Fee options

Fixed

Comprehensive financial planning fee up to $6,000; ongoing financial planning fees are fixed and negotiated

Percentage

$0 - $100,000: 1.50% $100,001 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.70% $5,000,001+: 0.60%

Project-based

$300/hour for project-based financial planning

Subscriptions

Ongoing comprehensive financial planning fees paid quarterly in advance, amount negotiable

Other

Minimum fee: Flat fee for comprehensive financial planning up to $6,000; hourly fee for project-based planning $300/hour Fee-only: Firm is fee-only, compensated solely by client fees, no commissions received

Main office location

Fruit of the Vine Financial, LLC

2810 Oak Run Pkwy Ste 400 D

New Braunfels TX 78132, United States

Number of offices

1

Most active in

Minnesota · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Della S

CFP®, RICP®

New Braunfels, TX

Fruit of the Vine Financial, LLC

I'm a fiduciary, fee-only financial planner and advisor who founded Fruit of the Vine Financial in 2023 after having worked at two other financial firms. I offer service in three main areas: - comprehensive financial planning to first help people better understand their current financial circumstances and second to provide them an optimal route to meet their financial needs and reach their financial goals, - investment management, providing a choice between general investing and Biblically Responsible Investing (BRI), which is a way to invest in funds that more closely align with Christian principles, - help with setting up business retirement plans and/or serving as a fiduciary advisor to 401(k) plans. Because I'm always trying to improve how I can help my clients navigate their financial lives, I obtained several advanced certifications. I earned the Certified Financial Planner® (CFP®) certification and Retirement Income Certified Professional® (RICP®) designation following programs at The American College of Financial Services. And the Certified Investment Management Analyst® (CIMA®) certification followed from a program through the Yale School of Management. Outside of work, I enjoy kayaking, Bible study, playing my violin, and spending time with my three grown children and with friends. Not only do I have the financial education and professional experience, I also bring the knowledge gained from personal financial experience. From sorting all the finances after the death of a spouse, to helping kids through college, to riding the roller coaster of a major recession, and to starting and running a business, I understand the highs and lows that sometimes accompany the numbers. It helps to partner with a financial professional who's been there and can help you through the ups and downs of your life's journey.

General retirement planning Christian Faith Based Women Professionals
Warmer team member

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