# Cultivate Financial Wellness, LLC

> Cultivate Financial Wellness, LLC is a state-registered investment advisory firm in Howell, MI, registered since 2020, reporting under $25 million in regulatory assets under management in its Form ADV filing dated May 7, 2026.

- CRD: 308633
- Filed as: CULTIVATE FINANCIAL WELLNESS, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Howell, MI
- Filing period: October 2026
- Form ADV filing dated: May 7, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/308633
- AdvisorCensus page: https://advisorcensus.com/firm/cultivate-financial-wellness-llc-howell-mi-308633

## Quick answers

**How is Cultivate Financial Wellness, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Cultivate Financial Wellness, LLC 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 Wellness, LLC located?**
Cultivate Financial Wellness, LLC's principal office is in Howell, MI, according to its Form ADV.

**Is Cultivate Financial Wellness, LLC registered with the SEC or a state?**
Cultivate Financial Wellness, LLC is a state-registered investment advisory firm, registered since 2020. Status as filed: APPROVED. CRD 308633.

**How much does Cultivate Financial Wellness, LLC manage?**
Cultivate Financial Wellness, LLC reports $17,095,349 in regulatory assets under management in its Form ADV filing dated May 7, 2026 (99% discretionary).

**What types of clients does Cultivate Financial Wellness, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (15); high net worth individuals (5); pension and profit sharing plans (but not the plan participants or government pension plans) (3).

**Does Cultivate Financial Wellness, LLC 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/308633

## 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: $17,095,349
- Discretionary: $16,879,638
- Non-discretionary: $215,711

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 15 | $7,084,574 |
| High net worth individuals | 5 | $9,299,405 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 3 | $711,370 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Educational seminars/workshops

### Firm details
- Registered since: 2020 (6 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, MI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- cultivatedivorce.com
- cultivatefinancialwellness.com
- Facebook @cultivatemyfw
- Instagram @cultivatemyfw
- LinkedIn @cultivatemyfw
- YouTube @cultivatemyfw

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cultivate Financial Wellness, LLC (CRD 308633): Form ADV filing data as of October 2026.