Cultivate Financial Wellness, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$16,383,979
This total excludes 3 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
20
25% 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
20
LowAverage account size
$819,199
About
Cultivate Financial Wellness is a fee-only, independent advisory firm operated by a single advisor that primarily serves individual clients while also working with a limited number of employer retirement plans. The firm offers comprehensive financial planning and discretionary portfolio management, and provides specialized services such as divorce financial planning through an affiliated practice and estate-document support via an outside scrivener.
The firm’s advice is delivered through an ongoing financial planning framework that combines written plans, regular monitoring, and investment implementation guided by modern portfolio principles and a buy/hold/rebalance approach. It provides standalone investment management and retirement plan consulting for plan sponsors, and uses periodic reviews and client-directed restrictions to align portfolios with stated objectives and risk tolerance.
What distinguishes this firm from many solo independent advisors is a broader service mix: it maintains an insurance producer license for coverage advice (not product sales), offers pension/profit-sharing and retirement-plan consulting to employers, and routinely presents educational seminars and speaking engagements to organizations and the public. The combination of divorce-focused financial planning via an affiliate, third‑party estate-planning delivery, and a small client roster managing roughly $17 million under management is atypical for a firm of its size.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Tax preparation
Expertise
Divorce financial planning
Cash flow / budgeting
Demographic focus
Mid-Career Professionals
Approaching retirement
Fee options
Financial Consultations & Coaching Start-up Fee: $500-$5,000; Project-Based Financial Advice: $3,000-$20,000; Estate Planning fees vary by service (e.g., Trust-Based Estate Plan $1,200, Will-Based Estate Plan $900)
$0 - $1,000,000: 0.50% $1,000,001 - $4,000,000: 0.25% $4,000,001 - $10,000,000: 0.15% $10,000,001+: 0.10%
Hourly rate of $350 per hour for Divorce Financial Planning and Hourly Financial Consultations
Minimum fee: Minimum annual fee of $6,500 per year for Ongoing Financial Planning with Investment Management Services Fee-only: Financial planning fees paid by clients; no commissions or third-party compensation
Main office location
Cultivate Financial Wellness, LLC
Howell MI, United States
Number of offices
1
Most active in
Cultivate Financial Wellness, LLC has reported serving >5 clients in these states in the last 12 months.
California · Michigan · Texas
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.
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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
Quick links
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