Clients frequently ask whether they should leave their assets in a trust. It depends. Of course, if your net worth exceeds $11 million, putting your assets in specific types of trusts can be helpful for federal estate tax issues. However, for most Americans, federal estate taxes will not be a major concern.Read more
Advice in Common Language
Straightforward Fees
FORBES TOP-RANKED TEAM
People deserve to understand what’s happening with their money.
Have you ever sat across from a financial advisor and only understood every third word they were saying? And yet they were talking about your money, your life and your future.
At Cultivate Wealth, we believe clients should understand everything that is happening with their money; that advisors should be just as good about explaining investments as they are at making them.
First, we’re going to get to know you and discuss what’s most important to you. We’re going to figure out your goals and the outcomes you’d like to achieve with this money. We’ll do this by establishing your Family Index Number, which is the rate of return needed on your investments in order to pursue those outcomes. After we determine your Family Index Number, we allocate your money to our various investment strategies designed to help you pursue those goals.
We work with a wide variety of clients – everyone from high net worth investors to those who are just starting out. While each family gets a personalized allocation strategy, we’ve helped thousands of families navigate their complex financial needs and guided them through life’s major decisions.
As your trusted advisor, we’re focused on adding convenience and simplicity to your lives. We will make sure you’re educated on your investments and how we manage your money – as much or as little information as you’d like.
Whether you’re investing hundreds or millions, at Cultivate Wealth we’re about much more than results – we’re about helping you understand where those results have come from and why the strategy works. If you’re tired of the mystery of investing and want to know exactly what’s happening with your money, schedule an appointment today.
Discover the right investment strategy for you.
Tell us a little more about your investment objectives and level of comfort with risk.
By what percentage do you expect your portfolio to grow
annually over the long-term (10+ years)?
How to get started.
1. Schedule an appointment
2. Meet with us for a custom listening session
3. Get your personalized strategy
Schedule an appointment.
Please provide your name and email and we will have an advisor contact you.
Our financial planning services are built on trust, transparency and accountability.
Our experienced team of professionals will develop a personalized plan that gives you the power – and a path – to realize your dreams. Explore services
Portfolio Management
Our firm follows a strategic approach to managing your investments. Learn more
Protection Planning
You have worked hard to secure a financial future for you and your family, but how will you protect it from an unexpected life event? Learn more
Financial Planning
Financial Planning is the core service we provide for our clients seeking to build, preserve, or manage their wealth over time. Learn more
Estate, Tax and Philanthropy Planning
The effectiveness of your financial plan starts with understanding the complexities of the current tax and estate planning laws and how your assets may be taxed during your lifetime and at your death. Learn more
Who We Are
Cultivate Wealth’s mission is to simplify the complex world of investing and guide our clients to financial freedom as their most trusted advisor so they can pursue what matters.
Cultivate Wealth, LLC is an independent wealth management firm based in DeForest, Wisconsin that specializes in providing financial planning and portfolio management services to individuals, families, business owners, and professionals.
We serve clients who desire a life of financial freedom and seek advice from a trusted member of our professional team.
We adhere to the following core values:
FOCUS ON PEOPLE-Our team of elite professionals are fiduciary minded, client centered, and have a strong reputation in the industry as well as in the communities for which they serve. You are sure to be greeted with a smile, an attention to service, and a desire to help.
ENHANCED CLIENT EXPERIENCE-We are committed to an exceptional client experience from the first time we meet, through the wealth plan design and implementation process, and ongoing plan review and investment monitoring. Our strategic approach is inclusive to the entire balance sheet to ensure no detail is overlooked. Whether you are just starting out and in the accumulation phase or are nearing retirement and seeking future income, we design a plan for your stage of life. Our hope is you will leave with financial clarity and the confidence to implement your life’s plan so you can spend more time on what matter most to you.
PROFESSIONAL KNOWLEDGE-We are firm believers in making the complex simple for our clients. With over 28 years of combined industry experience, our advisors are committed to having straightforward conversations while providing a personalized financial plan and investment portfolio so our clients can achieve the life they desire.
We are always looking to raise the bar when it comes to providing world class wealth management to the clients we serve. Our wealth advisors utilize our strategic partners, the Wealth Enhancement Group and Investment Committee and Research team, for complex planning needs and portfolio design. In addition, we firmly believe in investing in our team to deepen their knowledge base in several subject areas including: financial planning, education planning, risk management and insurance planning, investment and tax planning, retirement savings and income planning, and estate planning.
Contact us today to begin cultivating the life you desire.
Jennifer Homman, Founder and CEO
Investment Management
Disciplined investment strategies are the foundation of our investment management process. Our time-tested strategies are designed to meet a variety of investment goals and objectives.
Carson Partners
Carson Partners are growth-minded advisors wholly dedicated to helping clients reach a higher purpose for their wealth and design a lasting legacy for their families.
Our Locations
Cultivate Wealth is headquartered in DeForest, Wisconsin. Contact us today to speak with a financial advisor or financial professional.
Insights
Cultivate Wealth’s team of professionals provide you with transparent and proactive communications to equip you with the knowledge you need. Read more
Blog
How a Donor-Advised Fund Can Help Your ...Giving is an important part of our society. It provides us the opportunity to support causes we believe in and make a positive impact. Giving isn’t always about donating money. It can also include volunteering time or donating goods and resources. Here are some examples of the impact:
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Video
Quarterly Market Outlook: Q1 2020Carson Partners’ Scott Kubie shares key events we saw in the past quarter and how we think they’ll affect markets in the upcoming quarter. Contact us to speak with a financial advisor.
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Market Commentary
Weekly Market Commentary – February 10, 2020The coronavirus showed some signs of slowing the pace of its expansion even as the number of fatalities surpassed the SARS crisis. Efforts to contain the virus are shrinking consumption in China and affecting diverse industries, such as auto manufacturing, oil, and luxury goods.
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Monthly Newsletter
Financial Caregiving for Those With Alzheimer’s ...On an otherwise normal Thursday afternoon, a reporter had lunch with a resident from a memory care facility. Apparently, he asked for details on some kind of story and the confused patient was happy to comply and enjoyed the meal out. Then the police showed up.
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News
3 Roth Conversion Traps To Avoid After The ...Roth conversions can be a powerful tax and retirement planning technique. The idea behind most Roth conversions is to take money from an IRA and convert it to a Roth IRA. Essentially, you’re paying taxes today instead of paying taxes in the future.
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Infographic
10 Tax Planning Tips Your CPA Might Have ...There’s more to tax planning than you think. Do you understand how each of your accounts are taxed? How did you set up your retirement plan? Have you considered an HSA? Take control of your taxes and how they fit into the big picture. Check out 10 planning tips your CPA might have missed. View the Infographic
Read MoreWeekly Market Commentary
- Weekly Market Commentary – February 3, 2020
The coronavirus continued to spread in China and around the world. Concerns about the virus and measures to prevent its spread will likely reduce economic activity in the first quarter. Interest rates moved lower, and the 10-year Treasury bond yield moved below short-term rates, which indicates concern about the strength of economic growth.Read more
