Cultivar Capital, Inc.

Cultivar Capital, Inc. is a fee-only registered investment adviser that provides discretionary portfolio management, ongoing financial planning, and ERISA 3(21) plan services to individuals, high-net-worth clients, trusts and estates, and a registered investment company. In addition to routine wealth-management relationships, the firm serves investment company clients by acting as the adviser to the Cultivar ETF (CVAR).

The firm’s investment process centers on long-term, asset-allocation driven strategies using a blend of no-load mutual funds, ETFs, ETNs, and some individual equities, with five risk-targeted allocation models ranging from lower to higher volatility. Cultivar emphasizes fundamental analysis supplemented by technical review, monitors concentrated or legacy positions with specific tax and hedging considerations, and generally implements client accounts through a custodial relationship with Schwab on a discretionary basis.

What distinguishes Cultivar from many peers is its role as an investment adviser to a listed ETF (with a third-party sub-adviser handling creation/redemption and trading) and the firm’s explicit measures to manage the attendant conflicts, including waiving its advisory fee on client assets invested in the Fund. The firm’s leadership brings an accounting background to its practice and maintains trustee relationships for certain client accounts that subject those arrangements to annual surprise examinations by a public accounting firm.