# Caroline Young

> Caroline Young is a fee-only financial advisor at Cultivating Wealth in Brooklyn, New York, who holds the CFP credential. Cultivating Wealth reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/caroline-young/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Cultivating Wealth
- **Based in:** Brooklyn, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $209.8M across 719 accounts
- **Credentials:** CFP
- **CRD:** 7811953 (https://adviserinfo.sec.gov/individual/summary/7811953)
- **SEC registration:** Investment adviser representative in NY
- **Exams passed:** Series 65 (2023)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://www.feeonlynetwork.com/financial-advisor/liz-sylvan/

## Frequently asked questions

### Is Caroline Young a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Caroline holds no broker registration, and Cultivating Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Caroline charge for financial advice?

Caroline's firm, Cultivating Wealth, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Caroline Young based?

Caroline Young is based in Brooklyn, New York.

### What credentials does Caroline Young hold?

Caroline Young holds the CFP credential.

### Is Caroline Young registered with the SEC?

Yes. Caroline Young is registered as an investment adviser representative in NY (CRD 7811953), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Cultivating Wealth manage?

Cultivating Wealth reports $209.8M across 719 accounts in assets under management.

### How do I contact Caroline Young?

Through Caroline's website, www.feeonlynetwork.com/financial-advisor/liz-sylvan.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7811953): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.