Fruitful is a financial wellness membership that provides access to:

1. Unlimited expert advice and support from a dedicated Fruitful Guide, who is a CERTIFIED FINANCIAL PLANNER™ Professional that helps with all aspects of your finances.

2. A 5.00% APY High Yield Savings Account, 12x the national average*

3. Tailored investment portfolios with expert support at every step and no management fees.

The combo of these 3 core benefits allows our members to organize and optimize their finances in a way that’s simple, smart, stress-free, and sustainable. Members can improve their finances, make real progress toward goals, and eliminate stress. That sounds nice!

*Rates according to FDIC Monthly Rate Cap Information as of May 15, 2023.

Thinking about money can be stressful and confusing. It’s all too common to have looming anxiety about your finances, feel overwhelmed, or be unsure about how to make progress toward your goals. Our all-encompassing membership makes managing your money easy, effective, and empowering. 

That means providing a real expert human to support and advise you at every turn. That means creating a blueprint with easy-to-implement steps. That means simpler, smarter ways to save and invest that support your personal goals. And that means doing it all at a transparent, more affordable cost.

Yes, an active Fruitful Membership is required to work with a Fruitful Guide as well as open and maintain a high yield savings account and investment management account(s). Handling your finances should be simple and seamless, so our membership provides complementary services and tools that help members unlock real progress at a great value. Also, there are no additional fees or costs beyond your subscription.

As a member, you can talk with your Guide as often as you like through video, call, email or direct message. You aren’t charged based on the number of conversations you have. Connect how and when you want.

All Fruitful Guides are CERTIFIED FINANCIAL PLANNER™ Professionals, the highest level of credibility in personal finance. This means all Guides have met intensive education, training and ethical standards, are equipped to help Members with all aspects of their finances in a capable and trustworthy way, and are required to act as fiduciaries for Members. Guides are additionally registered as investment adviser representatives with Fruitful, an SEC-registered investment adviser.

Any part of your life that involves money. Our Guides provide support and advice on each aspect of members' financial worlds while considering all aspects - from managing monthly finances and getting organized to saving and investing, from buying a home to negotiating compensation and choosing benefits, from strategizing around taxes to starting a family and combining finances, and from retirement to insurance and legacy planning.

Yes, you can change your Fruitful Guide at any time, for any reason. We’re committed to your success, and we'll make sure we find the right Guide for you.

Our pricing is simple and transparent — $98 per month with discounts at longer durations. That’s less than half of the cost of traditional advisory firms.² Fruitful members also get access to unique benefits like 5.00% APY on savings and tailored investment portfolios with no management fees and no minimums. We never try to sell financial products to members and our pricing doesn’t change based on your financial profile or complexity. There are no setup or onboarding fees to become a member.

²Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.

On average, financial planning services cost $250 an hour or about $3,000 per year. Investment managers typically charge 1% on assets managed at a minimum of $250,000.²

²Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.

Taxes touch most of your financial life. Our Guides can help you game plan for all it, providing tax guidance tailored to all parts of your financial life and integrating tax strategy into all of their advice. We also include free prep and filing during tax season and provide tax loss harvesting on all investment accounts managed by Fruitful.

Fruitful is an investment adviser registered with the U.S. Securities & Exchange Commission (“SEC”) that employs full-time Financial Guides, all of whom are investment adviser representatives registered with the SEC and CERTIFIED FINANCIAL PLANNER™ Professionals. Our Financial Guides have previously worked at top advisory firms like Morgan Stanley, Fidelity, and Merrill Lynch.

Investments in members' accounts are held at and cleared by APEX Clearing Corporation, member FINRA/SIPC, who custodies over $120 billion in total assets as of June 2023. High Yield Savings Accounts and deposits are held at Emigrant Bank, Member FDIC and founded in 1850. Learn more about Fruitful in our Disclosures.

Start by booking a free video or phone session with a Fruitful Guide here. Tell us about you. Hear about us. Boom, your financial wellness journey just started.

Yes! The Fruitful membership is risk-free for your first 30 days. We’re confident you’ll feel better and do better in no time. That’s why membership is risk-free for a month. Try it and love it, or get your money back—guaranteed.

Our hospitality team provides phone and email support Monday through Friday 8 AM – 6 PM EST and 8 AM – 9 PM EST respectively. The team responds to emails within 24 hours, but usually much quicker. Members can also schedule unlimited phone or video sessions as well as message anytime with their dedicated Fruitful Guide.