A complete list of active advisors currently associated with Cultivate Financial

Warmer can help you find a great advisor at Cultivate Financial or one who fits your needs even better.

Cultivate Financial provides tailored investment management and financial planning to individual clients as well as to employer-sponsored retirement plans and other institutional-type clients. Services described in the brochure include continuous portfolio management (including use of third‑party managers and separately managed accounts), project and hourly planning, and ongoing comprehensive planning engagements. The firm’s investment approach centers on strategic asset allocation using a mix of active and passive managers, drawing on fundamental, technical, and Modern Portfolio Theory-based analysis; alternative investments and tactical adjustments may be used alongside long-term targets. Cultivate assists clients with implementation through TAMPs and SMAs and conducts periodic reviews to align portfolios with clients’ goals and risk tolerances. Noteworthy distinctions include the firm’s provision of educational seminars and the regular delivery of regulatory updates or summaries to clients, services that are less common among peers. The brochure also discloses that its advisory representatives are licensed to sell insurance (a commission-bearing activity the firm identifies as a potential conflict of interest), and that the firm provides pension and employee-benefit consulting—including services to governmental plan sponsors—while one principal also maintains an outside farming business.

To learn more about the advisors currently working at Cultivate Financial, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Matthew Breker	Fargo, ND	7

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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.

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