Cultivate Wealth LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,113,545
Clients
3
0% 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
3
Very LowAverage account size
$1,037,848
About
Cultivate Wealth LLC is a fee-only registered investment adviser that provides discretionary wealth management and financial planning services to individual clients, including high‑net‑worth individuals. The firm’s services include continuous portfolio management, tailored investment policy development, and project‑based financial planning engagements.
The firm’s investment approach is grounded in Modern Portfolio Theory and asset allocation, using a mix of passive and active funds to align portfolios with clients’ risk tolerance and long-term objectives while generally favoring longer‑term holdings and periodic rebalancing. It monitors client accounts regularly, aggregates household accounts for fee billing, and will review and provide recommendations on externally held accounts where it does not have discretion.
Notable differences from many peers include an explicit focus on high‑net‑worth individuals (a less common client type for firms in this category) and the use of hourly billing for project‑based planning engagements, an uncommon fee arrangement for investment managers that primarily serve pooled or institutional assets. The firm also provides a financial plan at no additional charge to wealth‑management clients, implements trades on an individual account basis rather than block trading, and its principal holds the CFP® credential.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General tax planning
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,000+: 0.80%
$300 per hour for Project-Based Financial Planning, fees negotiable.
Fee-only: Firm is fee-only, compensated solely by client fees, no commissions or other sales-related compensation.
Main office location
Cultivate Wealth LLC
Leavenworth WA, United States
Number of offices
1
Most active in
Cultivate Wealth LLC has reported serving >5 clients in these states in the last 12 months.
Washington
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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