Cultivate Financial Planning

Cultivate Financial Planning serves individual clients, including high-net-worth households, as well as employer plan sponsors, offering comprehensive financial planning, project-based planning, investment management integrated into planning, employee benefit plan consulting, and tax preparation services. The firm reports discretionary assets under management and works with a relatively small client base consistent with a single-advisor practice model.

The firm builds client-specific investment policies and portfolios that blend passive and active vehicles, primarily using ETFs and mutual funds, and applies a mix of fundamental, technical, cyclical and charting analysis to inform selection and asset allocation. Ongoing supervision is provided as part of comprehensive planning, with regular monitoring and quarterly reviews intended to align portfolios with clients’ goals and risk tolerances rather than to chase benchmarks.

Compared with many peers, Cultivate does not rely on percentage-of-assets-under-management billing; it primarily uses subscription, fixed/project fees and other non-AUM fee arrangements and offers tax preparation and planning services supported by an enrolled-agent credential. The firm also provides employee benefit plan services, accepts limited custody only for fee withdrawal, and has no stated account minimum, which may differ from many supported advisers that typically use AUM-based billing and minimums.