Loren Kinczel
Cultivate Financial Group · Los Gatos, California
Loren Kinczel is a fee-only financial advisor at Cultivate Financial Group in Los Gatos, California. Cultivate Financial Group reports charging a percentage of assets and fixed fees on its Form ADV.
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Facts
| Firm | Cultivate Financial Group |
|---|---|
| Based in | Los Gatos, California |
| Fee model (firm's Form ADV) | Percentage of assets · Fixed fees |
| Assets under management | $61.7M across 49 accounts |
| SEC registration | Investment adviser representative in CA · CRD 2772548 |
| Exams passed | Series 65 (2010) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | www.cultivatefinancialgroup.com |
| Profile |
How Loren's firm compares
- Cultivate Financial Group's average account is about $1.3 million, from its Form ADV (assets managed divided by 49 accounts).
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Questions about Loren
Is Loren Kinczel a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Loren holds no broker registration, and Cultivate Financial Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Loren charge for financial advice?
Loren's firm, Cultivate Financial Group, reports charging a percentage of assets and fixed fees on its SEC Form ADV.
Where is Loren Kinczel based?
Loren Kinczel is based in Los Gatos, California.
Is Loren Kinczel registered with the SEC?
Yes. Loren Kinczel is registered as an investment adviser representative in CA (CRD 2772548), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Cultivate Financial Group manage?
Cultivate Financial Group reports $61.7M across 49 accounts in assets under management.
How do I contact Loren Kinczel?
Through Loren's website, www.cultivatefinancialgroup.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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 : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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