Updated:
Cultivate Financial Wellness, LLC
Cultivate Financial Wellness is a fee-only RIA in Nashville offering financial planning and investment management for individuals and small businesses.
Cultivate Financial Wellness, LLC
Cultivate Financial Wellness was founded in Nashville, Tennessee, as a fee-only RIA targeting middle-market households and small business owners. The firm's stated mission is to make financial planning accessible to clients often overlooked by wirehouse advisors, using a blend of digital tools and human guidance. The firm's investment approach likely relies on low-cost ETFs and mutual funds, emphasizing diversification and risk management. Typical services include retirement income planning, tax-efficient asset allocation, and debt management strategies. Without public portfolio data, the precise asset-class mix remains unspecified, but the model mirrors similar RIAs focused on mass-affluent clients. No headcount, AUM, or founding year is publicly disclosed. The firm maintains no known additional offices or philanthropic vehicles. Its regulatory filings suggest a sole location in Davidson County, Tennessee, with minimal operational complexity. Cultivate's structural differentiator is its fee-only fiduciary framework applied to a client demographic that typically has limited access to independent financial advice. This positioning distinguishes it from larger wealth managers that focus on high-net-worth households, though its scale remains modest.
General information
Firm type
RIA
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Nashville
Corporate office
Nashville, TN, United States
Sector focus
Frequently asked questions
What services does Cultivate Financial Wellness provide?
The firm offers comprehensive financial planning, including cash-flow management, retirement planning, investment advisory, and tax-efficient strategies. It operates as a fee-only RIA, meaning no commissions are earned from product sales.
Who is the target client for Cultivate Financial Wellness?
The firm primarily serves individuals and small business owners who seek holistic financial advice but may not meet the asset thresholds required by traditional private wealth managers. Its model is tailored to the mass-affluent and emerging-wealth segments.
Is Cultivate Financial Wellness a fiduciary?
Yes. As a registered investment advisor, Cultivate Financial Wellness is legally bound by the Investment Advisers Act of 1940 to act as a fiduciary. This means it must prioritize client interests over its own, a standard not required of brokers.
Does Cultivate Financial Wellness manage assets directly?
Public records confirm the firm is registered as an RIA, which implies discretionary or non-discretionary asset management. However, no AUM figures or specific portfolio holdings are publicly available.
How does Cultivate Financial Wellness charge for its services?
The firm charges fees based on a percentage of assets under management or a flat retainer for financial planning, typical for fee-only RIAs. It does not earn commissions from insurance or investment product sales.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
Need institutional-grade insight on registered investment advisers?
Altss delivers:
Prefer a guided tour?
We’ll walk you through: