Cultivate Financial Planning
Radford, Virginia
Cultivate Financial Planning at a glance
- One of 305 fee-only firms based in Virginia in the Wellspent graph.
- 1 advisor is listed here, who holds the CFP.
- Its Form ADV reports 2 employees and 87 individual clients, 23 of them high net worth.
- Its average account is about $231,000 (assets it manages divided by its 364 accounts).
- Its website says it's taking new clients.
- It works with clients virtually as well as in person.
Fee-only advisors in Virginia · What fee-only advisors charge in Virginia
Facts
| Based in | Radford, Virginia |
|---|---|
| Website | cultivatefp.com |
| [email protected] | |
| Phone | (540) 505-0095 |
Questions about Cultivate Financial Planning
Does Cultivate Financial Planning have an account minimum?
No. Cultivate Financial Planning says it has no account minimum. We found this on its website, checked October 28, 2026.
How is Cultivate Financial Planning paid?
Cultivate Financial Planning's Form ADV says it is paid by: fixed fees.
How many advisors does Cultivate Financial Planning have in the Wellspent public graph?
The Wellspent public graph lists 1 advisor at Cultivate Financial Planning.
What is the average account at Cultivate Financial Planning?
Cultivate Financial Planning's average account is about $231,000. That's the assets on its Form ADV divided by its 364 accounts.
What does Cultivate Financial Planning specialize in?
Cultivate Financial Planning's advisors and website list flat-fee planning, retirement planning, tax planning and estate & legacy planning.
Is Cultivate Financial Planning accepting new clients?
Yes, according to Cultivate Financial Planning's website, checked October 28, 2026.
Does Cultivate Financial Planning work with clients virtually?
Yes. Cultivate Financial Planning's website says it works with clients virtually.
Cultivate Financial Planning fees
What the firm's own website says it charges, checked October 28, 2026. We keep a price only when the exact words stating it appear on the page.
| Account minimum | None |
|---|---|
| How it charges | Flat fee |
In the firm's words
"We have no minimum asset requirement." source
"We charge a flat dollar fee that is based on the services that we provide to you." source
For comparison, fee-only firms that publish prices charge a median of $4,500 a year for ongoing planning, $2,000 for a one-time plan, $300 an hour, or 1% of assets. See the fee report.
What its SEC filing says
| Paid by | Fixed fees |
|---|---|
| Assets managed | $84 million |
| Individual clients | 64 |
| High-net-worth clients | 23 |
| Accounts managed | 364 |
| Employees | 2 |
| Planning clients | 51-100 |
| Financial planning | Offered |
| Form ADV filed | January 7, 2026 |
| SEC record | CRD 299270 |
Advisors at this firm (1)
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