“Money Map isn’t just another financial tool; it’s a reinvention of how financial advice is delivered and applied,” said Sam Lewis, CEO of Fruitful. “Instead of leaving people with plans they must implement alone, we automate the entire process. Our mission has always been to simplify money and free people from daily stress. With Money Map, members get a system they can trust, powered by expert advice and seamless automation.”
For decades, the financial industry has focused heavily on wealth management. But for most Americans, the core challenge is not just investing — it’s income allocation: making smart, everyday decisions about bills, debt, spending, and savings. Money Map addresses this gap by giving members a clear, automated plan for where their money should go each month.
What Makes Money Map Different
- Built on Income Allocation: Instead of only targeting long-term investing or retirement planning, Money Map helps people manage the day-to-day flow of their income.
- Works Across All Banks: Unlike most fintech platforms locked into closed ecosystems, Money Map integrates with any financial institution. This gives members the flexibility to keep their current accounts without restrictions.
- Aligned With Members, Not Upsells: Since Fruitful earns revenue from membership fees instead of selling products, its focus remains on helping members succeed financially.
The Problem It Solves
Traditional financial advice is often slow, costly, and inaccessible. It involves lengthy consultations, complex reports, and little support in execution — leaving individuals overwhelmed. Money Map eliminates this barrier by turning guidance into a dynamic, automated system that people can activate instantly, allowing them to see real financial progress without the burden of manual setup.
How Money Map Works
When a member joins Fruitful, they’re paired with a dedicated CERTIFIED FINANCIAL PLANNER™ (CFP® Guide) who begins with a discovery session to review income, expenses, assets, debt, and financial goals. Within about a week, members receive their personalized Money Map inside the Fruitful app.
The system organizes finances into three simple categories:
- Bills: Ensures essentials like rent, utilities, loans, and subscriptions are always covered first.
- Spending: Creates a monthly “free-to-spend” allowance so members can enjoy life without overspending or reaching for credit cards.
- Goals: Automates contributions toward short- and long-term goals such as paying down debt, saving for emergencies, or preparing for major purchases. Money Map tracks progress, shows projected completion dates, and adapts dynamically if members need to use savings unexpectedly.
Once ready, members activate the system, which automatically opens any necessary accounts, splits income, and initiates transfers. Real-time updates provide visibility into every dollar, while adjustments can be made anytime with guidance from their CFP®.
“Money Map is a game-changer,” said Rebecca Palmer, CFP®, Head of Guidance at Fruitful. “It’s the first time members are seeing financial advice instantly brought to life in a system built for their needs. They no longer have to guess if they’re on track — the system makes sure of it.”
Beyond Money Map
This launch follows Fruitful’s introduction of Cash & Card, two products designed to disrupt traditional banking by offering members a transparent, no-fee experience with built-in rewards and financial flexibility. Together, these innovations reflect Fruitful’s mission to remove complexity, reduce stress, and give people true financial control.
Membership Benefits
Fruitful Money Map is available exclusively through a Fruitful membership, which includes:
- One-on-one financial guidance from a dedicated CFP®.
- Tailored investment portfolios with expert support.
- Transparent pricing — no onboarding, management, or hidden fees.
With Money Map, Fruitful is redefining financial advice: turning expert guidance into real action, automating the hard work, and empowering members to live with financial confidence.
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