Highway with road leading to the horizon

Financial planning and investment management in one coordinated strategy.

Your financial decisions are connected. Your advice should be too.

Whether you are approaching retirement, managing scattered accounts, or outgrowing generic advice, I help coordinate investments, taxes, retirement, estate considerations, insurance, charitable giving, and family priorities into one practical strategy.

Let's work together

My Approach

Fewer Clients, Deeper Service

FirstFruits is intentionally limited to a small number of ongoing client relationships.

Many advisory firms are built for volume. As the number of clients grows, advice can become standardized, conversations more hurried, and important details easier to overlook.

I built FirstFruits to serve a maximum of 50-60 households, because I don’t think advisors should try to juggle hundreds of clients.

Working with fewer households allows me to understand each client’s situation, prepare carefully, and remain directly involved in both the advice and implementation.

You always work directly with me, not a rotating service team or junior advisor.

Personal, Independent Advice

FirstFruits is a fee-only fiduciary registered investment adviser.

That means I am paid by clients, not by commissions from selling financial products. I do not sell commissioned insurance, annuities, mutual funds, or proprietary investment products.

My role is to provide straightforward advice based on your circumstances, priorities, and best interests, and my goal is that you leave every conversation feeling more organized, more confident, and better equipped to make wise decisions.

One coordinated financial picture

Financial lives often become fragmented across retirement plans, taxable accounts, insurance policies, estate documents, employer benefits, inherited assets, and outside professionals.

I help organize the pieces, identify blind spots, evaluate tradeoffs, and coordinate the next steps.

Clients should know that someone is paying attention to their full financial life, not just their portfolio.

If this is what you’re looking for, let me know here:

How I Help

Ongoing Strategic Advice

Good planning is not a one-time document. It is an ongoing process that changes as your life, finances, tax laws, and priorities evolve.

Together, I’ll help you address questions like:

  • Can we afford to retire?

  • How much can I safely spend?

  • Should I pay down debt or invest more?

  • How much cash should we keep on hand?

  • Are we taking too much risk, or not enough?

  • What blind spots are we missing?

Each decision is evaluated in the context of your taxes, portfolio, cash flow, family priorities, charitable goals, and long-term flexibility.

Proactive Tax-Aware Planning

Most major financial decisions have tax consequences.

Each year, I review your tax return and each meeting we will look for opportunities to improve your strategy, including:

  • Roth conversions and withdrawal sequencing

  • Capital-gains and tax-loss-harvesting decisions

  • Asset location across taxable, traditional, and Roth accounts

  • Required distributions and charitable-giving strategies

Taxes should not control every decision, but major decisions should not be made without understanding their tax impact.

Disciplined Investment Management

Investments are important, but they are not the entire plan.

Your portfolio should support your spending needs, retirement strategy, tax plan, charitable goals, risk tolerance, and broader financial priorities.

My investment philosophy emphasizes:

  • Broad global diversification

  • Low costs

  • Tax efficiency

  • Appropriate risk

  • Long-term discipline

I do not build portfolios around market predictions, hot stock tips, or unnecessary activity. The goal is an understandable strategy you can stay committed to through different market conditions.

Navigating Retirement & Major Life Transitions

Many clients come to FirstFruits during seasons of transition. A job change. An inheritance. Retirement. After decades of working, saving, and investing, the questions change:

  • Can I retire now?

  • When should I claim Social Security?

  • What should I do with this inheritance?

  • How much can I spend?

These transition years are often when financial decisions carry the most weight.

I help evaluate timing, spending, Social Security, portfolio withdrawals, taxes, healthcare, and contingency planning. The goal is not to eliminate uncertainty, but to make the tradeoffs visible and build a strategy that can adapt.

If any of this resonates, share a few quick details about your situation:

My Process

Financial planning works best when the process is clear from the beginning. We help you understand where you stand, organize what you already have, and build a plan that helps you to move forward.

Once we mutually decide to work together, onboarding and planning begin side by side so progress starts right away.

Below is the general framework for how the initial process looks:

  • We start with a short conversation to understand what prompted you to reach out, what you are hoping to solve, and whether our firm is the right fit.

  • We gather the key details of your financial life: income, spending, investments, taxes, insurance, estate documents, and other relevant pieces, so we can see the full picture. Then we clarify what you want your money to accomplish.

  • We review what you have shared, identify planning opportunities, and explain where we believe we can help.

  • This is where we officially decide to work together. We begin agreements, account opening, transfer paperwork, rollovers, and beneficiary review.

  • We ensure account transition is complete, walk through your plan, explain the tradeoffs, answer questions, and lay out priorities for the next 12 months.

  • In the first year, this most often looks like meeting quarterly to ensure plan implementation is fully executed.

    After the first year, we transition to regular meetings every 6 months.

    Keep in mind, I’m always available for meetings or calls as needed when things change and you need advice urgently.

Ready to begin?

Share a few details here about your situation and I’ll reach out to you.