Cultivate Financial fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 26, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$300/hr

“Financial Planning engagements are offered at an hourly rate of $300 per hour.”

Flat or project fee

$500⁠-⁠$6,000

“Ongoing Comprehensive Financial Planning Ongoing Financial Planning consists of an upfront charge of $500-$6000 and an ongoing fee that is paid monthly, in advance, at the rate of $100-$1000 per month.”

Monthly fee

$100⁠-⁠$1,000/mo

From the same sentence as above.

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Cultivate Financial bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Accounts initiated or terminated during the month will be charged a prorated fee based on the amount of time remaining in the billing period.”
• “An account may be terminated with written notice at least 30 calendar days in advance.”
• “The fee may be negotiable in certain cases.”

How Cultivate Financial’s fees compare

• Its hourly rate of $300 is above the North Dakota median of $250. 82% of the 11 other North Dakota planners that publish an hourly rate charge less.
• 3 of the 5 other planners in Fargo that publish an hourly rate charge less.
• Its flat or project fee of $500-$6,000 spans the North Dakota median of $913. 86% of the 7 other North Dakota planners that publish a flat or project fee charge less.
• 1 of the 2 other planners in Fargo that publish a flat or project fee charge less.

About Cultivate Financial

• Principal: Matthew Breker
• Solo practice: one person runs the firm, so you work directly with the planner.
• Meets clients remotely: the brochure mentions virtual or online meetings.
• Registered as an adviser: 2022 (4 years).

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

2% a year

Clients

12

Employees

1

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, pension consulting, selecting other advisers, newsletters and publications, and educational seminars and workshops

Assets managed

$3,595,602

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

318616

Website

x.com/mjbreker (opens in new tab)

Phone

(701) 866-9678

Can advise clients in 2 states: Minnesota, North Dakota

Other planners in Fargo that publish fees

• Complete Investment Advisory, LLCFargo$250/hr
• Eighth Wonder InvestmentsFargo$125/hr
• Fjell CapitalFargo$500/hr, $1,250/qtr
• Light Financial Services, Inc.Fargo$750⁠-⁠$7,500
• Prairiewood Wealth ManagementFargo$500
• Shockman FinancialFargo$250⁠-⁠$500/hr

Compare all 11 planners in Fargo