OUR CORE PRINCIPLES
Cultivar is devoted to our core principles:
Preparation
The research and review that enable success
Knowledge
Transcending intuition with wisdom and experience
Fulfillment
Follow-through to help realize goals
Realism
Careful, transparent handling of our clients’ hopes and assets
WHAT THESE PRINCIPLES MEAN FOR YOU
We have carefully engineered our business to deliver an exceptional customer experience, built on:
Integrity
To put the interests of our clients first, we always:
- Minimize conflicts of interest.
- Employ a fee-only pricing structure.
- Adhere to a policy of strict client confidentiality.
- Tell our clients what we believe they need to hear, not just what they want to hear.
Quality
To ensure that our clients receive competent advice, we:
- Apply a disciplined approach to the wealth planning process.
- Research client issues to their fullest.
- Seek professional education and improvement opportunities that foster financial planning ideas for our clients.
- Require our staff to pursue a personal development program that improves and validates their competence.
Service
We deliver timely, proactive and exceptional service by:
- Doing for our clients what we would do for ourselves in similar circumstances.
- Delivering what we promise.
- Responding to client phone calls and correspondence promptly.
- Monitoring a client’s progress toward their investment goals.
- Offering candid advice on issues we believe are key to our client’s success.
Value
The financial and intangible results we provide should outweigh the investment clients make in our services. We furnish this value by:
- Bringing clarity and purpose to the decision-making process.
- Maintaining a highly competitive fee-only structure.
- Providing perspective in the midst of the overwhelming “noise” produced by the financial marketplace.
- Educating clients about the risks and rewards associated with recommended courses of action.
Innovation
New ideas come from being at the forefront of thought within the wealth planning community. We provide innovation by:
- Targeting our advice to each client situation.
- Researching current investment opportunities that are overlooked or shunned by others because of the market’s volatility or emotion.
- Bringing appropriate techniques to bear on current client situations.
- Pursuing professional study programs that foster new perspectives.