Cultivate

WHERE YOUR WEALTH JOURNEY BEGINS

The investing program built for the decade that matters most.


For young adults, time is the single greatest wealth-building advantage you'll ever have. Time is the one asset you can't buy back. Cultivate gives you everything you need to start — simple, affordable, and backed by a real advisor. 

Expert guidance. Flat price. No excuses.

Cultivate is a fiduciary-led investment program designed specifically for early investors. Unlike robo-advisors that hand you a risk slider and wish you luck, Cultivate pairs you with a real, licensed financial advisor who builds a personalized plan and assigns the right portfolio for your goals — then automates the hard part so you never have to think about it.


  • Plan-first approach — every client starts with a targeted financial plan ($600) before any dollar is invested.
  • Fiduciary standard — we are legally required to act in your best interest. No commissions. No products.
  • Built for early investors — Cultivate is designed for the beginning of the journey, not the end. You don't need a large portfolio to get started — just the commitment to build one.
  • Annual reviews included — your plan evolves as your life does, at no extra charge.
  • Institutional-quality portfolios — built with the same asset classes and rigor as our full advisory clients.

Expert guidance. Flat price. No excuses.

Cultivate is a fiduciary-led investment program designed specifically for early investors. Unlike robo-advisors that hand you a risk slider and wish you luck, Cultivate pairs you with a real, licensed financial advisor who builds a personalized plan and assigns the right portfolio for your goals — then automates the hard part so you never have to think about it.


  • Plan-first approach — every client starts with a targeted financial plan ($600) before any dollar is invested.
  • Fiduciary standard — we are legally required to act in your best interest. No commissions. No products.
  • Built for early investors — Cultivate is designed for the beginning of the journey, not the end. You don't need a large portfolio to get started — just the commitment to build one.
  • Annual reviews included — your plan evolves as your life does, at no extra charge.
  • Institutional-quality portfolios — built with the same asset classes and rigor as our full advisory clients.

S I M P L E ,  F L AT  P R I C I N G

$50

per month — all-inclusive 

✓ Ongoing portfolio management — professionally managed, automatically rebalanced

✓ Annual financial plan review — included every year

✓ Advisor access — email and scheduled check-ins

✓ Flat $50/month — straightforward pricing for early investors

✓ No lock-in — cancel anytime, no penalties + One-time $600 targeted financial plan (at start)


$50/month — from your first contribution to your  $100K milestone. Built for the journey. 

H O W  I T  W O R K S

Four steps. One system. Built to last.

ONE-TIME · $600

Discovery & Your Targeted Financial Plan

Your advisor builds a plan around what matters: your net worth, cash flow, budget, debt, and investment goals. The result is a clear roadmap — not a generic template — that everything else is built on.

WEEK 1-2

Portfolio Assignment & Account Opening 

Your advisor selects the right model portfolio — matched to your goals, timeline, and risk capacity, not a risk quiz score. We'll help you open your account and get you started. 

ONGOING • $50/MO

Automated Investing & Contributions

Set up recurring transfers and let the system work. Contributions invest automatically, dividends reinvest, and the portfolio rebalances to target weights — without changing your fee as you grow.

ANNUALY • INCLUDED

Annual Review — Adapt as You Grow

Life changes. Your plan should too. Every year, your advisor reviews your plan and portfolio, updates your goals, and confirms your assignment still fits. All included in your subscription.

WHY CULTIVATE

Not just cheaper. Fundamentally different.

Cultivate was built from the ground up for early investors. The comparison shows why the alternatives fall short — and what makes our model uniquely suited for this stage of life. 

FEATURE CULTIVATE ROBO-ADVISOR DIY BROKERAGE TRADITIONAL ADVISOR
Personalized financial ✓ ✗ ✗ ~
Fiduciary, licensed ✓ ✗ ✗ ✓
No account minimum ✓ ✓ ✓ ✗
Flat monthly fee ✓ ✗ ✓ ✗
Expert portfolio assignment ✓ ~ ✗ ✓
Annual plan reviews ✓ ✗ ✗ ~
Path to full advisory ✓ ✗ ✗ ✓

Call today to begin investing with Integra

(303)220-5525

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