Cultivate Financial Group LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$56,688,196
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
28
54% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
28
TypicalAverage account size
$2,024,578
About
Cultivate Financial Group LLC provides discretionary investment management, wealth and financial planning, and institutional consulting to individuals, families, trusts, and institutional clients, specifically noting work with charitable organizations and corporate/business clients. Services include ongoing equity, alpha and fixed‑income portfolio management as well as outsourced chief investment officer (OCIO) and asset allocation engagements for institutions and nonprofit entities.
The firm’s investment process is discretionary and founded on fundamental analysis, with defined strategies such as Core Growth, Tactical Growth, Hedged Growth (which can overlay short positions), and a Capital Preservation option. CFG’s portfolios may utilize options and other derivatives and, in separately managed accounts, may employ borrowing/margin; risk is monitored through tiered risk analysis, stress testing, and periodic performance reviews.
Distinguishing features in the brochure include explicit performance assessment and reporting—evaluated in both absolute and relative terms and compared to benchmarks and peer groups such as similar educational endowments—and fee/engagement structures for nonprofit and institutional clients, including fixed‑fee consulting and OCIO assessments. The brochure also notes the principal’s active board and advisory roles with university and foundation organizations, which align with the firm’s institutional and charitable client focus.
Client services
Financial planning
Portfolio management
Expertise
Active portfolio management
Options & derivatives strategies
Wealth management
Fee options
$0 - $2,000,000: 1.25% for Equity & Alpha Portfolios; 0.75% for Fixed Income Portfolios $2,000,001 - $5,000,000: 1.05% for Equity & Alpha Portfolios; 0.70% for Fixed Income Portfolios $5,000,001 - $10,000,000: 0.80% for Equity & Alpha Portfolios; 0.65% for Fixed Income Portfolios $10,000,001 - $25,000,000: 0.75% for Equity & Alpha Portfolios; 0.60% for Fixed Income Portfolios $25,000,001 - $50,000,000: 0.70% for Equity & Alpha Portfolios; 0.55% for Fixed Income Portfolios $50,000,001+: 0.65% for Equity & Alpha Portfolios; 0.50% for Fixed Income Portfolios
Account minimum: $1,000,000 Fee-only: Institutional consulting services fixed fees ranging from $6,000 to $96,000 per year and $12,000 to $18,000 per assessment for OCIO services; wealth management and financial planning fixed fees between $6,000 and $24,000 annually
Main office location
Cultivate Financial Group LLC
16185 Los Gatos Boulevard, Suite 205
Los Gatos CA 95032, United States
Number of offices
1
Most active in
Cultivate Financial Group LLC has reported serving >5 clients in these states in the last 12 months.
California
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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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
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