Cultivate Financial Wellness
Howell, Michigan
Cultivate Financial Wellness at a glance
- One of 237 fee-only firms based in Michigan in the Wellspent graph.
- 1 advisor is listed here, who holds the CFP.
- Its Form ADV reports 1 employee and 20 individual clients, 5 of them high net worth.
- Its average account is about $285,000 (assets it manages divided by its 60 accounts).
- Its ongoing planning fee starts at $6,500 a year, above the Michigan median of $3,000.
- Its website says it's taking new clients.
- It works with clients virtually as well as in person.
Fee-only advisors in Michigan · What fee-only advisors charge in Michigan
Facts
| Based in | Howell, Michigan |
|---|---|
| Website | cultivatefinancialwellness.com |
| [email protected] | |
| Phone | (248) 963-1223 |
Questions about Cultivate Financial Wellness
How much does Cultivate Financial Wellness charge?
Cultivate Financial Wellness publishes these prices: ongoing planning: from $6,500 a year; hourly: $300 an hour. We found this on its website, checked October 28, 2026.
How is Cultivate Financial Wellness paid?
Cultivate Financial Wellness's Form ADV says it is paid by: percentage of assets, hourly, fixed fees.
How many advisors does Cultivate Financial Wellness have in the Wellspent public graph?
The Wellspent public graph lists 1 advisor at Cultivate Financial Wellness.
What is the average account at Cultivate Financial Wellness?
Cultivate Financial Wellness's average account is about $285,000. That's the assets on its Form ADV divided by its 60 accounts.
What does Cultivate Financial Wellness specialize in?
Cultivate Financial Wellness's advisors and website list divorce financial planning, retirement planning, estate & legacy planning and tax planning.
Is Cultivate Financial Wellness accepting new clients?
Yes, according to Cultivate Financial Wellness's website, checked October 28, 2026.
Does Cultivate Financial Wellness work with clients virtually?
Yes. Cultivate Financial Wellness's website says it works with clients virtually.
Cultivate Financial Wellness 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.
| Ongoing planning | From $6,500 a year |
|---|---|
| Hourly | $300 an hour |
| How it charges | Percentage of assets · Hourly · Ongoing planning fee |
In the firm's words
"starting at $6,500 per year" source
"hourly rate starting at $300" source
"starting at $6,500 per year and deducted from your managed investment account" source
"Divorce Financial Planning is offered at an hourly rate starting at $300." 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 | Percentage of assets · Hourly · Fixed fees |
|---|---|
| Assets managed | $17 million |
| Individual clients | 15 |
| High-net-worth clients | 5 |
| Accounts managed | 60 |
| Employees | 1 |
| Planning clients | 51-100 |
| Financial planning | Offered |
| Form ADV filed | May 7, 2026 |
| SEC record | CRD 308633 |
Advisors at this firm (1)
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