Cultivate Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$83,922,512
Clients
87
26% high-net worth
Advisors
1
of 2 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
87
Very HighAverage account size
$964,627
About
Cultivate Financial Planning serves individual clients, including high-net-worth households, as well as employer plan sponsors, offering comprehensive financial planning, project-based planning, investment management integrated into planning, employee benefit plan consulting, and tax preparation services. The firm reports discretionary assets under management and works with a relatively small client base consistent with a single-advisor practice model.
The firm builds client-specific investment policies and portfolios that blend passive and active vehicles, primarily using ETFs and mutual funds, and applies a mix of fundamental, technical, cyclical and charting analysis to inform selection and asset allocation. Ongoing supervision is provided as part of comprehensive planning, with regular monitoring and quarterly reviews intended to align portfolios with clients’ goals and risk tolerances rather than to chase benchmarks.
Compared with many peers, Cultivate does not rely on percentage-of-assets-under-management billing; it primarily uses subscription, fixed/project fees and other non-AUM fee arrangements and offers tax preparation and planning services supported by an enrolled-agent credential. The firm also provides employee benefit plan services, accepts limited custody only for fee withdrawal, and has no stated account minimum, which may differ from many supported advisers that typically use AUM-based billing and minimums.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
Occupation focus
Founder/Business Owner
Fee options
Tax Preparation fees start at $150 and increase based on complexity and estimated hours at $150/hour; fees are negotiable and agreed upon at engagement start.
Fee-only: Comprehensive Financial Planning: Annual fixed fee ranging from $1,000 to $20,000 based on complexity and time involved, paid monthly or quarterly in advance; Financial Planning Fixed Fee: fixed fee between $500 and $5,000 based on complexity and scope, half due at start and remainder at completion; Employee Benefit Plan Services: annual fee from $1,000 to $20,000 based on complexity and time, paid quarterly in advance.
Main office location
Cultivate Financial Planning
7211 Lee Hwy, Suite 600
Radford VA 24141, United States
Number of offices
1
Most active in
Cultivate Financial Planning has reported serving >5 clients in these states in the last 12 months.
North Carolina · Virginia
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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