Cultivate Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$3,595,602
Total clients
12
58% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
12
Average account size
$299,634
About
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.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Newsletters or periodicals
Educational seminars or workshops
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Tax strategies for small businesses
Occupation focus
Founder/Business Owner
Fee options
Project-Based Financial Planning fixed fee ranging from $1,000 to $12,000 (negotiable)
$0 - $500,000: 1.50% $500,001 - $1,000,000: 1.25% $1,000,001 - $3,000,000: 1.00% $3,000,001 - $5,000,000: 0.80% $5,000,001 - $10,000,000: 0.60% $10,000,000+: 0.50%
$300 per hour for Financial Planning engagements (negotiable)
Ongoing Comprehensive Financial Planning: upfront fee $500-$6,000 plus ongoing monthly fee $100-$1,000 (negotiable)
Account minimum: $5,000 Fee-only: Ongoing Financial Planning: $100-$1,000 per month; Project-Based Financial Planning: $1,000 - $12,000 fixed fee; Hourly Financial Planning: $300 per hour
Main office location
Cultivate Financial
808 3 Rd Ave S, Ste 301
Fargo ND 58103, United States
Number of offices
1
Most active in
Cultivate Financial has reported serving >5 clients in these states in the last 12 months.
Minnesota · North Dakota
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
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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Website
701-866-9678
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