Business Details
8 Years
experience
Your Trusted Partner for Comprehensive Financial Planning Solutions
At Cultivate Financial Planning, we are dedicated to providing fee-only financial advisory services that empower clients to achieve long-term financial security. Our team of certified professionals specializes in comprehensive financial planning, including investment management, tax strategies, and retirement solutions. With a client-first philosophy established in 2018, we prioritize transparency, simplicity, and collaboration to help individuals navigate complex financial decisions.Our approach emphasizes personalized guidance tailored to each client's unique circumstances, ensuring plans evolve alongside life's changes. Backed by CFP and EA certifications, we maintain rigorous professional standards while fostering an educational, open partnership with every client we serve. Through our commitment to ethical practices and clear fee structures, we aim to reduce financial stress and enable clients to focus on what matters most to them.
Services
Investment Management
Tax Planning
Retirement Planning
Estate Planning
Risk Management
Cash Management
Details
- Year established: 2018
Highlights and features
- We offer transparent fee-only financial planning with no hidden costs.
- Our team provides comprehensive services including tax and retirement planning.
- We prioritize client needs with a collaborative, educational approach.
- Our planners hold CFP and EA certifications for professional expertise.
- We focus on evolving financial plans tailored to life's changes.
Associations and certifications
- CFP
- EA
Services
Investment Management
Our investment management service creates customized portfolios aligned with your financial goals and risk tolerance. We employ evidence-based strategies while continuously monitoring market conditions to optimize returns. This service helps clients build long-term wealth through disciplined asset allocation and regular rebalancing.
Tax Planning
We develop proactive tax planning strategies to minimize liabilities across all stages of wealth management. Our approach integrates with overall financial plans to maximize after-tax returns through timing optimizations, tax-efficient investments, and coordinated retirement strategies.
Retirement Planning
This service focuses on creating sustainable retirement income strategies tailored to individual lifestyles and longevity expectations. We analyze Social Security optimization, pension options, and withdrawal sequencing to ensure financial security throughout retirement years.
Estate Planning
Our estate planning service coordinates with legal professionals to ensure proper asset distribution according to client wishes. We address beneficiary designations, trust funding, and tax implications to facilitate smooth wealth transfer across generations.
Risk Management
We assess insurance needs to protect against financial risks through appropriate life, disability, and long-term care coverage. This service evaluates existing policies and recommends solutions that balance protection needs with overall financial objectives.
People
Ashley H Coake
Founder and Financial Planner
Certified Financial Planner and Enrolled Agent with over a decade of experience in comprehensive financial planning. Specializes in creating personalized strategies that adapt to clients' evolving life circumstances while maintaining strict ethical standards.
Wendy Marshall
Client Service Associate
Supports client relationships with over 15 years of experience in financial services administration. Focuses on ensuring smooth implementation of planning strategies and maintaining exceptional client communication throughout the advisory process.
Questions
What services do you offer?
We provide comprehensive financial planning including investment management, tax strategies, retirement planning, estate planning, risk management, and cash flow analysis tailored to individual client needs.
How are your fees structured?
We charge transparent flat-fee pricing based on the customized services required, with no hidden costs or commissions. Fees are clearly explained during our initial consultation meetings.
Do you work with out-of-state clients?
Yes, we serve clients virtually across the United States in addition to local clients in the New River Valley area through secure digital communication platforms.
What makes you different from other advisors?
Our fee-only approach, CFP certification, and focus on evolving financial plans that adapt to life changes create a unique client-centered experience emphasizing education and transparency.
How do I get started?
Contact us via phone or email to schedule a free initial consultation. We'll discuss your financial situation and determine if our services align with your planning needs and goals.
Reviews (1)
Audrey Cullip
Nov 10, 2018
Report
I can not say enough good things about Ashley! She has helped my husband and I get a good handle on our retirement plan and make sure we are on track. We couldnt be happier with her solid advice and conservative realistic approach! Definitely contact her!
