Finances figured out for you
Maya is real fruitful Member
Andrew is real fruitful Member
Raquel is real fruitful Member
Daniela is real fruitful Member
Durriya is real fruitful Member
Steph is real fruitful Member
Sharise is real fruitful Member
Rebecca is real fruitful Member
Misha is real fruitful Member
Colin is real fruitful Member
Work with a Fruitful Guide who understands you. Get organized, optimized, and on track to hit your goals in no time.
A partner and a platform that make money simple.
Take control of your finances with expert human help and a single intuitive place to track it all.
Your partner in progress
Our Guides are supportive and skilled CFP® Pros. Expect personalized advice that leads to quick action.
Your place for peace of mind
Talk about, track, save, and invest your money all in one place. Know where you are and love where you're going.
Guides that help you grow
Talk to someone who understands you and your money. Make progress and feel empowered.
Membership
Benefits
Get expert advice and access to smarter, simpler ways to save and invest all in one place.
Guidance
Talk to a human. An expert. A Fruitful Guide.
Dedicated advice and support on all aspects of your finances from a Fruitful Guide.
Dedicated advice and support on all aspects of your finances from a Fruitful Guide.
Dedicated advice and support on all aspects of your finances from a Fruitful Guide.
Save
Earn 5% on savings set up for your goals.
5.00% APY savings account, more than 10x the national average*.
Dedicated savings spaces for all of your specific goals.
Automated transfers that power your progress.
Invest
A smarter way to start or scale your investing.
Portfolios built by experts, an investment approach tailored to you.
Advice from your Fruitful Guide at every step.
0% management fees.
No investment minimums - start with as little as $1.
“More than just feeling less stressed about my finances, I feel a lot more in control of my life!”
Maya
Real Fruitful Member
Our members
make moves
Hear inspiring stories from real members making real progress.
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
Fruitful Membership
ⓘ
Try Fruitful for 30 days! Not your thing? Get a full refund. No fuss.
$98
$148
Monthly
$92
$138
Quarterly
$83
$125
Annual
All plans provide access to
Expert advice and support from your dedicated Guide, a CFP® Professional
5.00% APY High Yield Savings Account, more than 10x the national average*
1-to-1 video sessions focused on hitting your goals with progress check-ins, quick syncs and anytime messaging
Tailored investment portfolios with expert support at every step and no management fees
Your goals
are ours too
We’ll guide and support you though all money moments and milestones.
Plan for
a family
Manage money better
Deal with debt
Save and invest smarter
Buy the perfect
home
Go on a dream vacation
Eliminate money stress
Change job or career
Frequently Asked Questions
What is Fruitful?
Fruitful is a financial wellness membership that provides access to:
1. 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, more than 10x 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 July 18, 2024.
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 do I connect with my Guide?
We’ll set-up and work through 1-to-1 video sessions focused on organizing your finances, setting goals, building wealth, and making real progress. Once we’ve built a strong foundation, we’ll help you keep growing while adapting to whatever life throws your way by providing ongoing advice and support through regular progress check-ins, quick syncs, and anytime messaging. Feel supported at every stage of your journey, wherever it leads.
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 — $92 per month with a quarterly membership and discounts at longer durations. That’s less than half of the cost of traditional advisory firms.3 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.
3Cost 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 $250,000.3
3Cost 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 Advisory, LLC, 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 and CERTIFIED FINANCIAL PLANNER™ professionals. Our Financial Guides have previously worked at top advisory firms like Morgan Stanley, Fidelity, and Merrill Lynch.4
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 Legal Documents.
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.
What if I’m not sure Fruitful is the right fit for me?
Good news - your Fruitful membership is risk-free for the first 30 days. We’re confident you’ll feel better and do better in no time. But if you decide it’s not a great a fit for you, you can cancel your membership in the first month and get a full refund—guaranteed.
As a member, how can I reach support?
Our hospitality team provides phone and email support Monday through Friday 8 AM – 6 PM ET and 8 AM – 9 PM ET 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.
© Fruitful 2025 — 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.
This information is provided by Fruitful for educational and illustrative purposes only and is not considered an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Rebalancing cannot assure a profit or protect against loss in a declining market. Fruitful relies on information from various sources believed to be reliable, including information from its Members, Clients, and other third parties, but cannot guarantee the accuracy or completeness of that information.
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.
¹ 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. Each testimonial reflects the individual Member's experience as an advisory Client and is not intended to represent any other Member's or Client's experience. We believe in the integrity of this approach and that, outside the conflict of interest present due to compensation, no other conflicts apply to these testimonials. These Client testimonials were given in October 2023, represent the opinions of each Member at that time, and may have been edited for brevity and clarity.
² Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.
*Posted to the FDIC.gov website as the average national deposit rate on savings in the top left cell of the rate table, as of July 18, 2024.
Fruitful is not affiliated with, sponsored, or endorsed by the companies listed, described, or featured on its site. Company logos or trademarks used do not imply endorsement and are the property of their respective owners.