# Cultivate Financial

> 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.

- CRD: 318616
- Filed as: CULTIVATE FINANCIAL
- Legal name: Cultivate Financial, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Fargo, ND
- Filing period: October 2026
- Form ADV filing dated: March 26, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/318616
- AdvisorCensus page: https://advisorcensus.com/firm/cultivate-financial-fargo-nd-318616

## Quick answers

**How is Cultivate Financial compensated?**
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.

**Where is Cultivate Financial located?**
Cultivate Financial's principal office is in Fargo, ND, according to its Form ADV.

**Is Cultivate Financial registered with the SEC or a state?**
Cultivate Financial is a state-registered investment advisory firm, registered since 2022. Status as filed: APPROVED. CRD 318616.

**How much does Cultivate Financial manage?**
Cultivate Financial reports $3,595,602 in regulatory assets under management in its Form ADV filing dated March 26, 2026 (100% discretionary).

**What types of clients does Cultivate Financial serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (7); individuals (other than high net worth individuals) (5).

**Does Cultivate Financial report any disciplinary disclosures?**
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

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Regulatory assets under management (Item 5.F)
- Total: $3,595,602
- Discretionary: $3,595,602
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 5 | $330,706 |
| High net worth individuals | 7 | $3,264,896 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2022 (4 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MN, ND
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [cultivatefin.com](https://cultivatefin.com)
- Facebook @cultivatefin
- Facebook @mjbreker
- Instagram @mjbreker
- LinkedIn @cultivatefin
- LinkedIn @mattbreker
- X @mjbreker

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cultivate Financial (CRD 318616): Form ADV filing data as of October 2026.