Cultivate Financial Wellness, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$16,383,979
Clients
20
Advisors
1
of 1 employees
About
The firm provides comprehensive financial planning and discretionary investment management primarily for individual and high‑net‑worth clients, and also works with employer plan sponsors on retirement plan consulting and participant education. It offers divorce financial planning through an affiliated practice and conducts educational seminars and speaking engagements on financial topics.
Investment advice is guided by Modern Portfolio Theory with a strategic buy‑hold‑and‑rebalance approach, and portfolios are managed to align with clients’ objectives, risk tolerance, and tax considerations when discretionary authority is granted. Financial planning work integrates cash‑flow analysis, retirement projections, tax and estate considerations, and risk management, and the firm also accepts pension and profit‑sharing plan clients as part of its consulting services.
Noteworthy aspects include the affiliated divorce planning service and the firm’s delivery of pension/retirement plan consulting—services that are less common among similar independent firms—and a licensed insurance producer on staff who explains coverage without selling or receiving commissions. The principal’s CFP, CDFA and behavioral finance credentials support the practice, and the firm uses a third‑party scrivener for estate document preparation while offering paid and occasional pro‑bono educational events.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Project-Based Financial Advice fixed fees range from $3,000 to $20,000; Estate Planning fees include Trust-Based $1,200, Will-Based $900, Powers Package $500, Business Assignments $100, Plan Updates $500; Financial Advice and Coaching Start-up fee $500 - $5,000 and ongoing monthly fees $350 - $1,000
$0 - $1,000,000: 0.50% $1,000,001 - $4,000,000: 0.25% $4,000,001 - $10,000,000: 0.15% $10,000,001+: 0.10%
$350 per hour for Divorce Financial Planning and Hourly Financial Consultations
Ongoing Financial Planning with Investment Management Services annual fee based on net worth, can be paid monthly or quarterly in arrears; Financial Advice and Coaching ongoing monthly fees $350 - $1,000 paid in arrears
Minimum fee: Minimum annual fee of $6,500 per year for Ongoing Financial Planning with Investment Management Services Fee-only: Fee-only firm, compensated solely by professional fees from clients, no commissions or third-party fees
Main office
Howell MI
Advisors at this office
1
Most active in
California · Michigan · Texas
Also doing business as
Cultivate Divorce Strategies · Cultivate Financial Wellness · Cultivate Financial Wellness, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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