CULTIVATE FINANCIAL

Overview

Cultivate Financial is an independent registered investment adviser operating as a limited liability company that serves individual and family clients. The firm acts as a capital allocator, combining financial planning and portfolio management with insurance-brokerage activities. Its advisory services encompass financial planning, portfolio management for individuals, small businesses and institutions, selection of other advisers, pension consulting elements, and client education through publications and seminars. Fee structures are a mix of percentage of AUM, hourly charges and fixed fees, reflecting flexibility for different client relationships. The firm does not identify as an active ESG investor and is not registered as a multi-state adviser. With a small client base and concentrated assets, Cultivate Financial appears to favor direct equity exposure for core portfolios while maintaining the ability to allocate to third-party alternative managers when suitable.

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Public Holdings

Investments & Alternatives

Location & Offices