Loren Kinczel is a registered investment advisor at Cultivate Financial Group LLC, based in Los Gatos, CA, with 15 years of industry experience. Loren operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Financial Planning & Coaching, High Net Worth, Investment Management, Retirement Planning. Their firm serves 30 clients with $62M in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $2.0M | 1.25% |
| $2.0M - $5.0M | 1.05% |
| $5.0M - $10.0M | 0.80% |
| $10.0M - $25.0M | 0.75% |
| $25.0M - $50.0M | 0.70% |
| $50M+ | 0.65% |
Fees are for Equity & Alpha portfolios. Fixed income portfolios have lower fees. Fees may be negotiable.
Fee Estimator
Location
16185 Los Gatos Boulevard, Suite 205, Los Gatos, CA, 95032
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business Activities
Loren is a trustee and Investment & Finance Committee Chair for the UC Santa Cruz Foundation since 2013, dedicating minimal time. Loren also serves as a board member for the University of California Observatories Director's Advisory and the University of California Fiat Lux Alliance, both since 2021 and 2024 respectively, each requiring minimal time.
Employment History
Current Registrations
Cultivate Financial Group LLC
Previous Registrations
Scharf Investments, LLC
State Registrations1 state
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