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Fruitful

Updated today

Client AUM

$34,797,935

Clients

1,327

Advisors

17

across 16 offices

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

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Fee options

Subscriptions

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

Main office

See office

335 Madison Ave., Suite 5 H

New York NY 10017

Advisors at this office

2

Most active in

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

Also doing business as

Fruitful · Fruitful Advisory, LLC · Fruitful, Inc.

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

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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
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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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Amanda E

CFP®, Series 63, Series 65

Havre De Grace, MD

Fruitful

Amanda Eimers is a CFP® professional with three years of industry experience, currently serving as an advisor at Fruitful, Inc. She previously worked at Town Capital LLC and Wells Fargo in various roles dating back to 2016. Outside of her financial career, Amanda has experience related to motherhood and entrepreneurship. Fruitful Advisory, LLC provides web-based financial planning and discretionary investment management to individual clients through a subscription membership model. The firm focuses on personalized planning and passive, low-cost core allocation strategies primarily using exchange-traded funds and index funds.

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

CFP®, Series 66

Bartlett, TN

Fruitful

Grant Hall is a CFP® professional with six years of industry experience currently advising at Fruitful. His previous roles include positions at Envision Financial Planning, MassMutual Life Insurance Company, and Shoemaker Financial. He holds the Series 66 designation and is based in Bartlett, TN. Fruitful Advisory, LLC serves individual clients through web-based financial planning and discretionary investment management, focusing on low-cost, passive core allocation models primarily involving exchange-traded funds and index funds. The firm uses a personalized “Money Map” approach to link client goals with investment strategy and offers advisory access based on subscription membership rather than traditional asset-based fees.

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® and Series 66-licensed advisor with nine years of industry experience. She is currently with Fruitful, where she has worked since 2024. Her prior experience includes roles at Pattern Advisors, Mercer Global Advisors, Cable Hill Partners, and several other firms. Fruitful Advisory, LLC provides web-based financial planning and discretionary investment management to individual clients through a subscription membership model. The firm emphasizes personalized planning with passive, low-cost portfolio approaches primarily using exchange-traded funds and index funds.

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® and holds a Series 66 license with seven years of industry experience. She currently works at Fruitful, Inc. and has previously been employed by Bank of America, Merrill Lynch Pierce Fenner & Smith, UBS, and Duquesne University. Fruitful Advisory, LLC provides web-based financial planning and discretionary investment management services to individuals who maintain an active membership with Fruitful, Inc. The firm uses a personalized “Money Map” to align clients’ life goals with asset allocation and investment strategies, focusing on passive, low-cost core models primarily using ETFs and index funds.

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 12 years of industry experience. He currently serves at Fruitful Inc, having joined in 2024, and previously worked at Citizens Securities, Inc. and Fidelity Investments. Fruitful Advisory, LLC delivers web-based financial planning and discretionary investment management to individual clients through a subscription membership model, focusing on low-cost, passive investment strategies and personalized planning tied to clients’ life goals.

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 experience in the financial industry. She has worked at Fruitful since 2024 and previously held roles at Wealth with Wisdom, LLC, Fidelity Brokerage Services, and Lazard Asset Management. Earlier in her career, she also worked at JP Morgan Chase and the Federal Reserve. Fruitful Advisory, LLC provides web-based financial planning and discretionary investment management primarily to individual clients through a subscription membership model. The firm focuses on passive, low-cost investment strategies using exchange-traded funds and index funds, with personalized planning centered on linking life goals to asset allocation and risk tolerance.

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® credentialed advisor with four years of industry experience, currently serving at Fruitful. His prior roles include positions at Ernst & Young Investment Advisers LLP and his own firm, Clemans Financial LLC. Fruitful Advisory, LLC offers web-based financial planning and discretionary investment management to individual clients through a subscription membership. The firm focuses on personalized planning with passive, low-cost investment strategies centered on exchange-traded funds 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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David A

CFP®, Series 63

College Park, MD

Fruitful

David Alicea is a CFP®-credentialed financial advisor at Fruitful with three years of industry experience. He previously worked at Matt Aaron and held multiple roles at Northwestern Mutual, including wealth management and investment services. Alicea served four years in the United States Marine Corps and attended the United States Naval Academy. Fruitful Advisory, LLC offers web-based financial planning and discretionary investment management to individual clients through a subscription membership model. The firm emphasizes personalized planning with passive, low-cost investment strategies focused on ETFs and index funds, serving primarily non-high-net-worth individuals.

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

CFP®, Series 65

Denver, CO

Fruitful

Sanchi Ranyal is a CFP® with three years of industry experience, currently serving as a financial advisor at Fruitful Advisory, LLC in Denver, CO. Prior to joining Fruitful, Sanchi worked at Accretive Wealth Management from 2020 to 2025. Fruitful Advisory, LLC offers web-based financial planning and discretionary investment management to individual clients who maintain an active membership with Fruitful, Inc. The firm focuses on personalized financial planning through a client-specific “Money Map” and emphasizes passive, low-cost investment strategies primarily involving exchange-traded funds and index funds.

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

CFP®, Series 66

New York, NY

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 four years of industry experience, currently serving at Fruitful. She has held previous roles at 2050 Wealth Partners, FAI Wealth Management, WMS Partners, and Wells Fargo Bank. Tennant’s background includes a variety of positions in both financial services and other industries. Fruitful Advisory, LLC offers web-based financial planning and discretionary investment management to individual clients through a subscription membership model. The firm focuses on personalized financial plans called “Money Maps” and emphasizes passive, low-cost investment strategies using ETFs and index funds.

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