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.

I help clients coordinate retirement, investments, taxes, charitable giving, estate considerations, insurance, cash flow, and family priorities into one clear plan.

You may be approaching retirement and wondering if you are truly ready. You may have accounts spread across multiple firms. You may have worked with a large financial institution for years but feel like a number or as if you are always being sold something.

FirstFruits Wealth Management is here to bring you peace of mind.

Let's work together

My Approach

Fewer Clients, Deeper Service

FirstFruits is intentionally designed around a manageable 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.

A physician with too many patients becomes rushed. A teacher with too many students is forced to manage the room instead of noticing the individual.

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

By working with fewer households closely, I have the time and space to understand each client’s situation, think through tradeoffs, follow through on details, and help make sure strategies are actually implemented.

Personal, Independent Advice

FirstFruits is a fee-only fiduciary RIA.

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 help clients make informed decisions about their financial lives.

That includes the technical work — investments, retirement, taxes, cash flow, risk, estate coordination, and charitable giving — but it also includes helping clients understand why those decisions matter.

I want clients to leave conversations feeling more organized, more confident, and better equipped to make wise decisions.

Integrated Oversight and Consolidation

Many families eventually reach a point where their financial life becomes too complex to manage casually.

They may have old 401(k)s, IRAs, taxable accounts, bank accounts, insurance policies, estate documents, charitable goals, a CPA, employer benefits, inherited assets, or business interests. Each piece may be handled separately, and no one may be overseeing the full picture.

Part of my role is helping bring those pieces together.

I help clients identify blind spots, understand tradeoffs, prioritize decisions, and coordinate action items.

The goal is for clients to feel that someone is paying attention not just to their portfolio, but to their full financial life.

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

How I Help

Ongoing Strategic Advice

A large part of financial planning comes down to making thoughtful decisions over time. Clients often ask questions such as:

  • Can we retire now, or should we work longer?

  • How much can we safely spend?

  • Should we convert part of an IRA to Roth?

  • Should we 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?

My role is to help clients evaluate these decisions thoughtfully, including the second- and third-order effects on taxes, portfolio risk, retirement income, liquidity, family priorities, giving, and long-term flexibility.

Most importantly, these decisions are evaluated in the context of the life you are actually trying to build

Proactive Tax-Aware Planning

Most meaningful financial decisions have tax implications.

We review your tax return every single year and look at how we can be most efficient in the years ahead so you can keep more of your money.

Depending on your situation, we look at Roth conversion analyses, tax-aware withdrawal sequencing, capital gains planning, Charitable giving strategy, qualified charitable distributions, donor-advised fund planning, asset location across taxable, pre-tax, and Roth accounts, tax-loss harvesting, and more.

We don’t let taxes drive every decision, but we always avoid making major decisions without understanding the tax consequences.

Disciplined Investment Management

Investments are crucial. But they are not the entire plan.

Your portfolio is one of the main tools for supporting the life you are trying to build, which is why your investments should be coordinated with your taxes, cash flow, withdrawal strategy, charitable giving, estate considerations, risk tolerance, and broader financial plan.

Our investment philosophy is intentionally simple: broad global diversification, low costs, tax awareness, and discipline over decades.

In most cases, the best portfolio is not the most complex portfolio. It is the one you can understand, stick with, and use to support your actual goals. I do not build portfolios around hot stock tips, market predictions, or constant activity. If you are looking for an active manager who tells you they can always “beat the market”, FirstFruits is likely not the right fit.

If you want a disciplined, understandable investment strategy connected to your full financial life and rooted in academic evidence, that is exactly what we provide.

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?

  • When should I claim Social Security?

  • How do I replace my paycheck?

  • How much can I spend?

  • What happens if markets drop early in retirement?

  • How should I manage taxes once I stop working?

  • How do I give generously without jeopardizing the plan?

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

A good retirement plan should help you understand what different paths may realistically look like, what tradeoffs exist, and what decisions should be made before and after retirement begins.

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 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, we are 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.