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Our Firm

At Fredstrom & Associates, P.A. we offer our clients strategies to navigate both saving for retirement and living in retirement while seeking to lower the taxes they pay along the way.

Are you retired and feel you are paying too much in taxes? Could you use more retirement income? Working with a Financial Planner with a CPA background can bring your financial picture in focus. We can analyze your asset location, cost basis, and required minimum distributions. Other strategies may include donor advised funds, qualified charitable distributions, charitable remainder trusts, tax-deferral strategies, Roth conversions, and more.

Or you may be a few years away from retirement and trying to navigate your options for savings and spending. We can help you consider in-service distributions, NUAs, stock options, Roth conversions and more. We will help you craft a spending plan to determine how much income you need from your investments then where and when to make those withdrawals.  

We listen to our clients needs, goals and dreams. Yet, surprises come up and it is much better to avoid a costly mistake then to try to fix one. Tax-efficient financial planning strategies can be very useful. When unavoidable tax consequences arise, we are able to implement various strategies to avoid being "very patriotic" as we call it. 

Your first priority is taking care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our firm.

Michelle Minisci, CFP®


Michelle Minisci has been with Fredstrom & Associates, P.A. since 2005. She has a Bachelor of Science with a concentration in Financial Management and Marketing Management from Florida Southern College in Lakeland, Florida. Michelle became a Certified Financial Planner® in 2010. 

She was born in Tampa - but grew up in Naples. Michelle is married to a talented photographer, Marc Minisci and they have two boys together, Jackson and Jude. Michelle loves her family and her community. She is deeply passionate about solving our clients' financial objectives. 



Scott Fredstrom, CPA, CFA®, CFP®


Scott Fredstrom is the President of Fredstrom & Associates, P.A. Scott began his career as a CPA in 1981. After working for Price Waterhouse for five years, he moved to Naples to work with another firm.  He established Fredstrom & Associates, P.A. in 1992. He began offering investment services in 1995. Scott has always focused on giving expert advice and educating our clients. He became a Certified Financial Planner in 1998 and attained the Chartered Financial Analyst designation in 2012.

Scott grew up in Nebraska and attended the United States Military Academy (West Point) his freshman year of college. He later transferred and earned his undergraduate degree at Texas Christian University. Texas is where he met and married his wife Beth. They have three grown sons together that they raised in Naples. Scott is passionate about his firm and golf. If you do not see him in the office, he is most likely at the Imperial Golf Course contending for the club championship which he has won four times.