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.

Yes, an active MVP Membership is required to work with a MVP 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.

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.

All MVP Guides are INVESTMENT ADVISORY REPRESENTATIVES, the highest level of fiduciary and 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 registered thru Meridian Venture Partners, an FINRA-registered investment adviser.

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.

Yes, you can change your MVP 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.

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 4.35% 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.

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‍2 Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.

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

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‍2 Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.

MVP 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 FINRA. Our Financial Guides have previously worked with top advisory firms like Charles Schwab, Fidelity, and Blackrock.

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Investments in members' accounts are held at and cleared by Altruist, member FINRA/SIPC, who custodies over $120 billion in total assets as of June 2023. High Yield Savings Accounts and deposits are held at Altruist Bank, Member FDIC and founded in 1850. Learn more about Fruitful in our Legal Documents.

Choose your Guide, sign-up to become a MVP 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.

Good news - your MVP 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.

Our hospitality team provides phone and email support Monday through Friday 8 AM – 6 PM PST 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 MVP Guide.