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Fruitful Membership

Member Referral Program ↗

Information about our Member Referral Program benefits.

New Member First Month Program ↗

Learn about our One Month Free Membership promotion.

One Month Risk-Free Money Back Guarantee ↗

Learn about our risk-free money back guarantee.

Fruitful Banking

Deposit Account Agreement ↗

These are the terms you agree to when opening a Fruitful high-yield savings account.

ACH Authorization ↗

This authorizes Fruitful to link to external bank accounts to facilitate moving funds.

Reg DD Disclosure ↗

This provides details on the terms of deposit accounts and associated rates held at our partner bank, Emigrant Bank.

Emigrant Bank Privacy Policy ↗

Important information about how our partner bank, Emigrant Bank, handles your personal information.

Fruitful Guidance

Fruitful Inc Form ADV Part 2 Brochure ↗

This is a narrative description of Fruitful’s investment advisory firm, including details about our products and services.

Form CRS Client Relationship Summary ↗

This is a summary of our investment services, features, fees, and costs, as well as helpful conversation starters.

IM Client Agreement ↗

These are the terms you accept to open and maintain Fruitful investment management accounts and related services.

APEX Custodial Agreement ↗

These are the terms, rights, and policies associated with your investment management accounts held at Fruitful’s custodial 
partner, Apex Clearing.

Investment Advisory Agreement ↗

This agreement defines the investment advisory relationship between you and Fruitful Advisory, LLC


Fruitful Terms of Service ↗

These are the general terms of service, setting out the rules and guidelines for using our site and membership details.

Privacy Policy ↗

How Fruitful handles your personal information and details on your privacy rights and responsibilities

Fruitful E-Sign Consent ↗

This outlines the requirement for electronic consent, and yout rights and protections regarding electronic communications.

© Fruitful 2024 — All rights reserved. “Fruitful” refers to Fruitful, Inc. and its separate, affiliated subsidiaries. Fruitful, Inc. is an investment adviser registered with the U.S. Securities & Exchange Commission, offering investment advisory products and services exclusively to Members with an active Subscription. Learn more about Fruitful in our Form CRS.

All investing involves risk including the risk of losing money you invest, past performance does not guarantee future results. Rebalancing cannot assure a profit or protect against loss in a declining market.Tax-Loss Harvesting is an investment strategy that seeks to enhance after-tax performance of a portfolio and may be unable to fully realize strategic gains or harvest losses due to various factors. Market conditions may limit the ability to generate tax losses and the strategy involves the risks that the new investment could perform worse than the original investment. Also, a tax-managed strategy may cause a portfolio to hold a security in order to achieve more favorable tax treatment or to sell a security in order to create tax losses. Prospective investors should consult with a tax or legal advisor as part of making any investment decision.

Fruitful is a financial technology company, not a bank. Deposit accounts provided by Emigrant Bank, Member FDIC. Funds in the bank accounts are insured for up to $250,000 per depositor, depending on the ownership category. Interest rates are variable and subject to change at any time. These rates are current as of July 18, 2024.