Finances
figured out
for you

Work with a Financial Guide who understands you.
Get access to smarter, simpler ways to save and invest.
Feel great about your finances in 30 days.

Guides that help you grow

Make progress and feel empowered with a Fruitful Guide, your expert partner in all things money.

Get on track in 30 days

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Members who make moves

Hear real stories from real members
making real progress

Daniela / Event Producer
Maya / Product Marketer
Steph / Brand Director
Misha / Founder

The people in these videos are real Fruitful Members who were paid in cash for their time and participation in this series.
We think that is fair.¹

We make money easy

We handle the hard stuff, so you can live your best life. Members have access to 1-on-1 expert advice, a 5.00% APY savings account, and personalized investing without management fees. Make progress, feel confident.

Advice
Unlimited expert guidance — video, call, message or email anytime.
1:1 dedicated advice and support from a Fruitful Certified Financial Planner™ Professional
Unlimited video and phone sessions, message or email anytime
Help with all aspects of your finances, focused on progress toward your personal goals
A blueprint to get to your goals with simple steps that your Guide helps you implement
Save
5.00% APY savings account. 12x the national average*.
No account fees
Unlimited fee-free transfers
No minimum deposit to earn 5.00% APY
Up to $250,000 FDIC Insurance per account holder
Get set up in minutes
Invest
Tailored portfolios. Expert help at every step. No management fees.
Expert-built, tailored investment portfolios
Dedicated CFP® Professional advising you at every turn
No management fees
No investment minimums
Tax-loss harvesting and portfolio rebalancing

Grow with guidance

1:1 dedicated advice and support from a Fruitful Certified Financial Planner™ Professional
Unlimited video and phone sessions, message or email anytime
Help with all aspects of your finances, focused on progress toward your personal goals
A blueprint to get to your goals with simple steps that your Guide helps you implement

Earn more on Savings

5.00% APY savings account, 11x the national average*
No account fees
Unlimited fee-free transfers
No minimum deposit to earn 5.00% APY
Up to $250,000 FDIC Insurance per account holder
Get set up in minutes

Invest without stress

Expert-built, tailored investment portfolios
Dedicated CFP® Professional advising you at every turn
No management fees
No investment minimums
Tax-loss harvesting and portfolio rebalancing

30 days, risk-free

We’re confident you’ll be feeling better and doing better in no time. That’s why membership is risk-free for 30 days. Try it and love it, or get a full refund—guaranteed.

Solo

Joint

$98
Paid every month.
Our pricing is simple, transparent and less than half² the cost of traditional advisory firms. Members have access to:
Expert advice and support from your dedicated Guide, a CFP® Professional
Unlimited video and phone sessions, message or email anytime
5.00% APY High Yield Savings Account, 12x the national average*
Tailored investment portfolios with expert support at every step and no management fees
$148
For you and a partner.
Paid every month.
Our pricing is simple, transparent and less than half² the cost of traditional advisory firms. Members have access to:
Expert advice and support from your dedicated Guide, a CFP® Professional
Unlimited video and phone sessions, message or email anytime
5.00% APY High Yield Savings Account, 12x the national average*
Tailored investment portfolios with expert support at every step and no management fees

Solo

Joint

$275
Paid every 3 months.
Our pricing is simple, transparent and less than half² the cost of traditional advisory firms. Members have access to:
Expert advice and support from your dedicated Guide, a CFP® Professional
Unlimited video and phone sessions, message or email anytime
5.00% APY High Yield Savings Account, 12x the national average*
Tailored investment portfolios with expert support at every step and no management fees
$415
For you and a partner.
Paid every 3 months.
Our pricing is simple, transparent and less than half² the cost of traditional advisory firms. Members have access to:
Expert advice and support from your dedicated Guide, a CFP® Professional
Unlimited video and phone sessions, message or email anytime
5.00% APY High Yield Savings Account, 12x the national average*
Tailored investment portfolios with expert support at every step and no management fees

Solo

Joint

$998
Paid every 12 months.
Our pricing is simple, transparent and less than half² the cost of traditional advisory firms. Members have access to:
Expert advice and support from your dedicated Guide, a CFP® Professional
Unlimited video and phone sessions, message or email anytime
5.00% APY High Yield Savings Account, 12x the national average*
Tailored investment portfolios with expert support at every step and no management fees
$1,498
For you and a partner.
Paid every 12 months.
Our pricing is simple, transparent and less than half² the cost of traditional advisory firms. Members have access to:
Expert advice and support from your dedicated Guide, a CFP® Professional
Unlimited video and phone sessions, message or email anytime
5.00% APY High Yield Savings Account, 12x the national average*
Tailored investment portfolios with expert support at every step and no management fees

Get answers, not judgement

All Fruitful Guides are:
CERTIFIED FINANCIAL PLANNER™ professionals, the highest level of credibility in personal finance.
Experienced and helpful across all aspects of your finances, not just investing.

Progress-oriented with advice that’s tailored to you and super simple to implement.

Non-judgmental, kind, and human.

FAQs

What is Fruitful?

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.

Why is it good?

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.

Do I need to be a Fruitful Member to access all member benefits?

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.

How often can I talk to my Guide?

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.

What credentials do Fruitful Guides have?

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.

What can Fruitful Guides help me with?

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.

Can I change my Fruitful Guide?

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.

How much does Fruitful cost?

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.

How does that compare to the cost at other financial companies?

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.

Why can I trust Fruitful with my money?

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.

How do I start?

Choose your Guide, sign-up to become a Fruitful Member (try it risk-free for 30 days), and schedule your 1st session. Tell us about you. Hear about us. Your financial wellness journey just started.

I’m not sold on Fruitful, can I try it?

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.

As a member, how can I reach support?

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.