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Member Benefits
Pricing
Guidance
Expert 1:1 advice and support
Invest
Smarter investing,
set up for you

Save
Earn 5.00% APY on all your savings

Log in →

Get Started




Member Benefits
Guidance
Expert 1:1 advice and support
Save
Earn 5.0% APY on your savings
Invest
Smarter investing, set up for you
Pricing
Log in

Sign up


Explore Fruitful

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Support

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Start with Durriya

FINANCES
FIGURED OUT
FOR YOU

Maya
is
a
real
Fruitful
Member





Andrew
is
a
real
Fruitful
Guide





Raquel
is
a
real
Fruitful
Guide





Daniela
is
a
real
Fruitful
Member





Durriya
is
a
real
Fruitful
Guide





Steph
is
a
real
Fruitful
Member





Sharise
is
a
real
Fruitful
Member





Rebecca
is
a
real
Fruitful
Guide





Misha
is
a
real
Fruitful
Member





Colin
is
a
real
Fruitful
Guide



G
e
t
S
t
a
r
t
e
d


Membership is risk-free for 30 days

Try Fruitful for a month! Not your thing? Get a full refund. No fuss.

You are being referred to Fruitful’s website by a Promoter of Fruitful, Inc., an
SEC-registered investment adviser. The Promoter that is directing you to this
website will receive compensation from Fruitful if you enter into a paying
subscription for a Fruitful Membership, which includes access to advisory
services. Cash compensation to the Promoter may range from [$200 - $400]. Due to
compensation, Promoter has an incentive to recommend Fruitful, which is a
conflict of interest.

You will not be charged any fee or incur any additional costs for being referred
to Fruitful by the Promoter. The Promoter may promote and/or may advertise
Fruitful’s investment adviser services and may offer independent analysis and
reviews of Fruitful’s services. Fruitful and the Promoter are not under common
ownership or otherwise related entities. By clicking on the “Get Started” button
on this page, you acknowledge receipt of the foregoing disclosure.

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.

How it works

Who are Guides


Andrea Easterling
CFP® Professional
Watch
Andrew Rotz
CFP® Professional
Watch
Bri Sullivan
CFP® Professional
Watch
Matt Becker
CFP® Professional
Watch
Mckenna Wieser
CFP® Professional
Watch
Raquel Tennant
CFP® Professional
Watch
Choose your Guide




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.
 * 1-to-1 video sessions focused on organizing 
your finances, building wealth,
   and making 
real progress.
 * Ongoing progress check-ins, quick syncs and anytime messaging.
 * A clear blueprint to hit your goals with simple steps that your Guide helps
   you implement.

Tell me more



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.

Tell me more

House Fund

$9,486.09
+$39.52
Interest earned this month
Emergency Savings

$24,589.15
+$102.45
Interest earned this month
Travel Fund

$4,890.75
+$20.38
Interest earned this month

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.

Tell me more


Guidance
Save
Invest


“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.

Daniela
Event Producer
Watch
Sharise
Lead Data Engineer
Watch
Misha
Founder
Watch
Steph
Brand Director
Watch
Maya
Product Manager
Watch

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

ⓘ

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.

What's included


FRUITFUL MEMBERSHIP


Membership is risk-free for 30 days

ⓘ

Try Fruitful for 30 days! Not your thing? Get a full refund. No fuss.

Solo
For just you
Joint
For you and your partner

$98

$148

/ month

Monthly

$98 paid every month.
$148 paid every month.

Start with monthly


$92

$138

/ month

Quarterly

$275 paid every 3 months.

$415 paid every 3 months.

Most popular


Start with quarterly


$83

$125

/ month

Annual

$998 paid every year.
$1,498 paid every year.

Start with 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.

Learn more


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.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 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.



Explore Fruitful

LoginPricingLegal

Careers

Email

Social

InstagramLinkedInTikTok

Support

Contact Hospitality Desk


© 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.

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.

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Andrea Easterling
CFP® Professional

Andrea has 8 years of financial planning and advising experience. She thrives on
inspiring people to confidently take control of their finances with tailored
advice and easy-to-apply education. She previously worked at the fintech company
Pattern and, before that, Mercer Advisors. Outside of work, Andrea orchestrates
the offense as point guard of her local women's basketball team.

Andrea
's
style
⚡ Empowering
💡 Insightful
🧮 Analytical
Andrew Rotz
CFP® Professional

Andrew has worked in financial services since 2012. He loves seeing the relief
that comes when he helps his Members alleviate a major stressor in their
financial lives. He's worked at Fidelity Investments, built a bespoke financial
wellness program at NC State University, and his own firm while also serving in
the US Navy. He loves exploring the Star Wars world with his two boys, traveling
around the real world, and history!

Andrew
's
style
💬 Conversational
🙌 Dedicated
🧠 Open-minded
Bri Sullivan
CFP® Professional

Brianna has 7 years of planning and advising experience. She’s deeply committed
to helping people make more informed money decisions at every step of their
financial journey. She previously worked at Merrill Lynch in wealth management.
In her free time, Brianna’s into exploring the Pittsburgh food scene, jamming to
Taylor Swift in spin class, and reading while cozying up with her cats, Randy
and Jim Bob.

Bri
's
style
📣 Supportive
✅ Proactive
🤝 Collaborative
Matt Becker
CFP® Professional

Matt has 10 years of financial planning experience and another 6 years working
in early-stage technology. He's passionate about getting to know his members,
what they value, and what they truly want out of life so money can empower them
to be the fullest versions of themselves. Matt previously ran his own practice
working mostly with young families. His favorite thing in the world is coaching
his boys' soccer teams.

Matt
's
style
❤️ Empathetic
🤝 Collaborative
📚 Resourceful
Mckenna Wieser
CFP® Professional

Mckenna has 7 years of financial planning and advising experience. She’s
passionate about taking big, complicated life decisions and making them
approachable, digestible, and exciting. She’s previously worked at Charles
Schwab, helping families in all stages of life meet and exceed their goals with
confidence. She loves to travel, go see live music, read, and hang with her dogs
Bowser and El.

Mckenna
's
style
🫶 Committed
👁️‍🗨️ Perceptive
✅ Thorough
Raquel Tennant
CFP® Professional

Raquel has 5 years of financial planning experience and a passion for helping
people reach their goals in a way that aligns with their values. She previously
worked at 2050 Wealth Partners, helping young families and entrepreneurs make
progress and build confidence. She's adventurous and loves to travel, cliff
dive, and snorkel.

Raquel
's
style
😊 Friendly
🔍 Detailed
💫 Enlightening
Meet
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Choose your Guide

Meet
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