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Fruitful

Updated today

Client assets under management

$25,205,403

Clients

351

0% high-net worth

Advisors

15

of 44 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

23

Very Low

Average account size

$71,810

About

Fruitful Advisory, LLC provides web-based financial planning and discretionary investment management to individual clients who maintain an active Fruitful, Inc. membership. Its services include ongoing comprehensive planning delivered through licensed “Fruitful Guides” and portfolio management that primarily trades in exchange-traded funds and index funds.

The firm’s process centers on a personalized “Money Map” developed with each client to link life goals to asset allocation, risk tolerance, and cash-flow considerations, with periodic reviews and annual portfolio evaluation. Fruitful emphasizes passive, low-cost core allocation models, rebalancing, and client-specific investment profiles while clients retain discretion over implementation.

Notably, Fruitful does not rely on traditional percentage-of-assets-under-management fees but makes advisory access conditional on a subscription membership, and its marketing materials include hypothetical performance illustrations and client testimonials. The firm’s ownership and affiliate structure—including a 50% ownership interest by ECC Branch, LLC (related to Emigrant Bank) and an ownership stake by venture investor 8VC, plus affiliated banking products—are disclosed as potential sources of conflicts and distinguish it from many peers; its client base is focused on non-high-net-worth individuals.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance

Fee options

Subscriptions

Essential membership: $48/month, $135/quarter, $480/year; Plus membership: $148/month, $415/quarter, $1,498/year

Main office location

Fruitful

335 Madison Ave., Suite 5 H

New York NY 10017, United States

Number of offices

2

Most active in

Arizona · California · Colorado · Connecticut · District of Columbia · Florida · Georgia · Illinois · Kentucky · Louisiana · Maryland · Massachusetts · Michigan · Minnesota · Missouri · Nebraska · New Hampshire · New Jersey · New York · North Carolina · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · Tennessee · Texas · Utah · Virginia · Washington · Wisconsin

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Naima B

CFP®, ChFC®, Series 66

Falls Church, VA

Fruitful

Naima Bush is a CFP® and ChFC® with four years of industry experience, currently serving as a financial advisor at Fruitful. She has previously worked at firms including Ellevest, Cambridge Investment Research, Capital Investment Advisors, Capital Asset Management Group, and Motley Fool Wealth Management. Outside of her advisory work, she owns a knitting and crochet business. Fruitful Advisory provides financial planning and discretionary investment management exclusively to members of Fruitful, Inc. through a web-based platform and designated guides. The firm employs a diversified, low-cost investment approach focused on passive ETFs and index funds and offers advisory services via a subscription model rather than a traditional percentage-of-assets fee.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
user avatar

Allison H

CFP®

Philidelphia, PA

Fruitful

Allison Hershey is a CFP® professional with six years of experience in financial advising. She currently works at Fruitful and has held prior roles at Ellevest, ChroniFI, Zenith Solutions, and The Marshall Financial Group. Outside of advising, she provides financial coaching and consulting through her business, Money Conscious, focusing on the emotional aspects of financial decision making and helping companies develop service models for younger generations. Fruitful Advisory delivers financial planning and discretionary investment management to individual members through a subscription-based model. The firm emphasizes diversified, low-cost portfolios primarily using passive ETFs and index funds, with planning grounded in CFP® principles and ongoing client collaboration.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Angela M

CFP®, Series 66

Orlando, FL

Fruitful

Angela Moore is a CFP® professional with 13 years of industry experience. She currently serves as a financial advisor at Fruitful and previously worked at Charles Schwab and operated Modern Money Education LLC. Fruitful Advisory provides financial planning and discretionary investment management to members of Fruitful, Inc. through a subscription-based, web-enabled platform. The firm emphasizes diversified, low-cost portfolios primarily constructed with passive ETFs and index funds, combined with dynamic financial planning aligned with CFP® principles.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Andrea E

CFP®, Series 66

Portland, OR

Fruitful

Andrea Easterling is a CFP®-certified financial advisor with eight years of industry experience. She currently works at Fruitful, Inc., joining in 2024, and has previously held roles at several firms including Pattern Advisors LLC and Mercer Global Advisors Inc. Fruitful Advisory offers financial planning and discretionary investment management to individual members through a subscription-based model, utilizing diversified, low-cost portfolios primarily composed of passive ETFs and index funds. The firm provides services via a web-based platform and client portal, with financial planning grounded in CFP® principles.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Brianna S

CFP®, Series 66

Pittsburgh, PA

Fruitful

Brianna Sullivan is a CFP® professional with six years of experience in the financial services industry. She currently works at Fruitful, Inc., having previously held roles at Bank of America, Merrill Lynch Pierce Fenner & Smith, UBS, and Pershing. Fruitful Advisory provides financial planning and discretionary investment management exclusively to members of Fruitful, Inc. The firm uses a subscription-based model and focuses on diversified, low-cost portfolios primarily constructed with passive ETFs and index funds.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Andrew R

CFP®, Series 63, Series 66

Apex, NC

Fruitful

Andrew Rotz is a CFP® professional with seven years of industry experience, currently serving as an advisor at Fruitful since 2022. His prior roles include positions at Fidelity Investments and Simplicity Financial Marketing. He is the founder and CEO of Tide & Tempest Financial Planning, LLC, and serves as an officer in the U.S. Navy Reserves. Fruitful Advisory provides financial planning and discretionary investment management exclusively to members of Fruitful, Inc. The firm emphasizes diversified, low-cost portfolios primarily composed of passive ETFs and index funds, delivering services through a web-based platform and client collaboration with designated Fruitful Guides.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Waris R

CFP®, ChFC®, Series 63

Sewell, NJ

Fruitful

Waris Rahemtulla is a CFP® and ChFC® with 11 years of industry experience. He is currently an advisor at Fruitful, having joined in 2024. His prior roles include positions at Citizens Securities, Inc. and Fidelity Investments. Fruitful Advisory provides financial planning and discretionary investment management exclusively to members of Fruitful, Inc. The firm employs a subscription-based model and focuses on diversified, low-cost portfolios primarily using passive ETFs and index funds, with an emphasis on client-tailored allocation and dynamic financial planning.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Naomi P

CFP®, Series 66

Upper Marlboro, MD

Fruitful

Naomi Parham is a CFP® and holds a Series 66 license, with six years of industry experience. She has worked at firms including Fidelity Brokerage Services, Lazard Asset Management, and JP Morgan Chase. Since 2024, she has been with Fruitful Advisory. Fruitful Advisory provides financial planning and discretionary investment management to individual clients through a subscription-based model tied to Fruitful, Inc. membership. The firm emphasizes diversified, low-cost portfolios primarily composed of passive ETFs and index funds, with financial planning based on CFP® principles.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Jack C

CFP®, Series 65

Melissa, TX

Fruitful

Jack Clemans is a CFP® and holds a Series 65 license with three years of industry experience. He has worked at Fruitful since 2025 and previously held positions at Clemans Financial LLC and Ernst & Young Investment Advisers LLP. Clemans also has a background including roles at Baylor University and Credent Wealth Management. Fruitful Advisory provides financial planning and discretionary investment management exclusively to members of Fruitful, Inc. The firm uses a subscription-based model and focuses on diversified, low-cost portfolios built primarily with passive ETFs and index funds.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Colin B

CFP®, Series 66

Columbus, OH

Fruitful

Colin Bishop is a CFP® and holds a Series 66 license with five years of industry experience. He currently works at Fruitful and has previous experience at Barrett Wealth Planning LLC (D.B.A. Lamplighter Wealth Planning) and SWS Partners, LLC. Fruitful Advisory provides financial planning and discretionary investment management to individual clients who hold an active Fruitful, Inc. membership, delivering services through a web-based platform and a secure client portal. The firm’s investment approach focuses on diversified, low-cost core allocations primarily using passive ETFs and index funds, with financial planning presented as a dynamic “Roadmap” grounded in CFP® principles.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Rebecca P

CFP®, Series 66

Mc Lean, VA

Fruitful

Rebecca Palmer is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Fruitful since 2022. Her prior roles include positions at Ellevest, Inc. and First Republic Investment Management. Outside of her advisory work, she owns a small clothing brand sold on Amazon. Fruitful Advisory provides financial planning and discretionary investment management to individual clients through a subscription-based model, focusing on diversified, low-cost portfolios built primarily with passive ETFs and index funds. Services are delivered via a web-based platform and client portal, with an emphasis on collaborative allocation decisions.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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Raquel T

CFP®

Laurel, MD

Fruitful

Raquel Tennant is a CFP® professional with three years of industry experience, currently serving at Fruitful. Her prior experience includes roles at 2050 Wealth Partners, FAI Wealth Management, and Wells Fargo Bank. Fruitful Advisory provides financial planning and discretionary investment management to individual clients through a subscription-based model, utilizing a web-based platform and designated Fruitful Guides. The firm focuses on diversified, low-cost portfolios primarily composed of passive ETFs and index funds, with financial planning grounded in CFP® principles.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
user avatar

Matthew B

CFP®, Series 65

New York, NY

Fruitful

Matthew Becker is a CFP® professional with 12 years of industry experience, currently serving as an advisor at Fruitful since 2024. He is also the owner and operator of Mom and Dad Money, a registered investment adviser in Florida, and offers educational courses and books through his website. Becker is in the process of winding down Mom and Dad Money while maintaining his role at Fruitful. Fruitful Advisory provides financial planning and discretionary investment management exclusively to members of Fruitful, Inc. The firm emphasizes diversified, low-cost portfolios primarily using passive ETFs and index funds, delivering advice through a subscription model rather than traditional asset-based fees.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
user avatar

Paige C

CFP®, Series 66

Bend, OR

Fruitful

Paige Clausen is a CFP® and holds a Series 66 license, with 11 years of industry experience. She has worked at Robert W. Baird & Co. and several other financial firms before joining Fruitful Inc., where she has been an advisor since 2024. Fruitful Advisory provides financial planning and discretionary investment management exclusively to members of Fruitful, Inc. The firm uses a subscription model and focuses on diversified, low-cost portfolios primarily made up of passive ETFs and index funds, with financial planning grounded in CFP® principles.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
user avatar

Durriya P

CFP®, Series 63, Series 65

Greensboro, NC

Fruitful

Durriya Pierce is a CFP® professional with seven years of experience in financial services. She is currently with Fruitful, Inc., where she has worked since 2023. Her prior roles include positions at Albert Corporation, Bank of America, Merrill, and Ernst & Young. Outside of finance, she has worked as an independent contractor driver for Uber Technologies, Inc. Fruitful Advisory provides financial planning and discretionary investment management to individual clients who hold an active Fruitful membership. The firm emphasizes diversified, low-cost portfolios primarily composed of passive ETFs and index funds, delivering services through a subscription model rather than traditional asset-based fees.

General retirement planning Cash flow / budgeting Wealth management General estate planning guidance
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