Cultivate Wealth LLC

The firm provides wealth management and financial planning services to individuals and high‑net‑worth individuals, offering ongoing discretionary investment management as well as project‑based and hourly financial planning. The brochure discloses the firm manages $3,113,545 across three clients, operates on a fee‑only basis with AUM‑based management fees and does not impose a minimum account size.

Its investment approach is grounded in Modern Portfolio Theory and asset allocation, blending passive and active strategies using stocks, bonds, mutual funds, and ETFs within portfolios managed for the long term; accounts are reviewed quarterly and the firm monitors and recommends rebalancing and implementation for non‑managed accounts. The firm states it executes trades on an individual‑account basis rather than aggregating block trades, and it uses custodians (Charles Schwab and Altruist) for execution, custody, and client reporting.

Distinctive aspects include a CFP®‑certified principal with prior experience at national brokerage firms and the firm’s recent formation in 2024, resulting in an unusually small, newly established advisory practice. The principal discloses an unrelated outside business in fruit sales that occurs during trading hours (a disclosed potential conflict), the firm does not vote client proxies, and it relies on custodian statements rather than providing separate written performance reports.