CULTIVATE FINANCIAL PLANNING

Overview

Cultivate Financial Planning is an independent, owner-operated RIA that focuses on financial planning and discretionary portfolio management for individuals, families and small-business owners. The firm bills on a fixed-fee basis and provides financial planning services alongside portfolio management and limited pension consulting. Investment activity is centered on publicly available mutual funds and pooled public funds, with discretionary management across client relationships. The firm does not position itself as an ESG-driven manager and it does not operate as a multi-state adviser. Cultivate’s approach appears to favor model-based solutions implemented primarily through mutual funds, supplemented with targeted allocations to third-party alternative managers in real estate. That mix suggests a client experience driven by comprehensive planning and simplified portfolio construction rather than heavy direct-equity trading or bespoke alternative structuring in-house.

Assets & Accounts

Public Holdings

Investments & Alternatives

Location & Offices