{
  "crd_number": 318616,
  "slug": "cultivate-financial-fargo-nd-318616",
  "primary_business_name": "CULTIVATE FINANCIAL",
  "legal_name": "CULTIVATE FINANCIAL, LLC",
  "dbas": [],
  "city": "Fargo",
  "state": "ND",
  "country": "United States",
  "cbsa_code": "22020",
  "metro": {
    "cbsa_code": "22020",
    "common_name": "Fargo",
    "msa_name": "Fargo, ND-MN",
    "path": "/advisors/nd/fargo"
  },
  "registration_type": "state",
  "registration_status": "APPROVED",
  "registration_date": "2022-02-10",
  "years_registered": 4,
  "period": "2026-10-01",
  "filing_date": "2026-03-26",
  "carried_forward": false,
  "raum_total": 3595602.0,
  "raum_discretionary": 3595602.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "under_25m",
  "raum_band_label": "Under $25 million",
  "total_employees": 1,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 330706.0,
      "count": 5
    },
    "high_net_worth_individuals": {
      "raum": 3264896.0,
      "count": 7
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "pension_consulting",
    "periodicals_newsletters",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "MN",
    "ND"
  ],
  "websites": [
    "https://cultivatefin.com",
    "https://facebook.com/cultivatefin",
    "https://facebook.com/mjbreker",
    "https://instagram.com/mjbreker",
    "https://linkedin.com/company/cultivatefin",
    "https://linkedin.com/in/mattbreker",
    "https://x.com/mjbreker"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/318616",
  "city_as_filed": "FARGO",
  "url": "https://advisorcensus.com/firm/cultivate-financial-fargo-nd-318616",
  "display_name": "Cultivate Financial",
  "summary": "Cultivate Financial is a state-registered investment advisory firm in Fargo, ND, registered since 2022, reporting under $25 million in regulatory assets under management in its Form ADV filing dated March 26, 2026.",
  "citation": "AdvisorCensus. Cultivate Financial (CRD 318616): Form ADV filing data as of October 2026.",
  "registration_type_label": "State-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Pension consulting services",
    "Selection of other advisers (including private fund managers)",
    "Publication of periodicals or newsletters",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Cultivate Financial compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Cultivate Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure."
    },
    {
      "q": "Where is Cultivate Financial located?",
      "a": "Cultivate Financial's principal office is in Fargo, ND, according to its Form ADV."
    },
    {
      "q": "Is Cultivate Financial registered with the SEC or a state?",
      "a": "Cultivate Financial is a state-registered investment advisory firm, registered since 2022. Status as filed: APPROVED. CRD 318616."
    },
    {
      "q": "How much does Cultivate Financial manage?",
      "a": "Cultivate Financial reports $3,595,602 in regulatory assets under management in its Form ADV filing dated March 26, 2026 (100% discretionary)."
    },
    {
      "q": "What types of clients does Cultivate Financial serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (7); individuals (other than high net worth individuals) (5)."
    },
    {
      "q": "Does Cultivate Financial report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/318616"
    }
  ],
  "filing_history": [],
  "recent_changes": [],
  "fees_from_brochure": null,
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/cultivate-financial-fargo-nd-318616.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 5,
      "fewer_than_5": false,
      "raum": 330706.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 7,
      "fewer_than_5": false,
      "raum": 3264896.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/318616",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}