Cultivate Financial Group LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$56,688,196
Clients
28
Advisors
1
of 1 employees
About
Cultivate Financial Group LLC provides discretionary investment management, wealth and financial planning, and institutional consulting to individuals, families, trusts, and institutional clients, specifically noting work with charitable organizations and corporate/business clients. Services include ongoing equity, alpha and fixed‑income portfolio management as well as outsourced chief investment officer (OCIO) and asset allocation engagements for institutions and nonprofit entities.
The firm’s investment process is discretionary and founded on fundamental analysis, with defined strategies such as Core Growth, Tactical Growth, Hedged Growth (which can overlay short positions), and a Capital Preservation option. CFG’s portfolios may utilize options and other derivatives and, in separately managed accounts, may employ borrowing/margin; risk is monitored through tiered risk analysis, stress testing, and periodic performance reviews.
Distinguishing features in the brochure include explicit performance assessment and reporting—evaluated in both absolute and relative terms and compared to benchmarks and peer groups such as similar educational endowments—and fee/engagement structures for nonprofit and institutional clients, including fixed‑fee consulting and OCIO assessments. The brochure also notes the principal’s active board and advisory roles with university and foundation organizations, which align with the firm’s institutional and charitable client focus.
Client services
Expertise
Fee options
$0 - $2,000,000: 1.25% for Equity & Alpha Portfolios; 0.75% for Fixed Income Portfolios $2,000,001 - $5,000,000: 1.05% for Equity & Alpha Portfolios; 0.70% for Fixed Income Portfolios $5,000,001 - $10,000,000: 0.80% for Equity & Alpha Portfolios; 0.65% for Fixed Income Portfolios $10,000,001 - $25,000,000: 0.75% for Equity & Alpha Portfolios; 0.60% for Fixed Income Portfolios $25,000,001 - $50,000,000: 0.70% for Equity & Alpha Portfolios; 0.55% for Fixed Income Portfolios $50,000,001+: 0.65% for Equity & Alpha Portfolios; 0.50% for Fixed Income Portfolios
Account minimum: $1,000,000 Fee-only: Institutional consulting services fixed fees ranging from $6,000 to $96,000 per year and $12,000 to $18,000 per assessment for OCIO services; wealth management and financial planning fixed fees between $6,000 and $24,000 annually
Main office
16185 Los Gatos Boulevard, Suite 205
Los Gatos CA 95032
Advisors at this office
1
Most active in
California
Also doing business as
Cultivate Financial Group · Cultivate Financial Group LLC · Cultivate Investments · Cultivate Wealth
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)