Company Overview

Cultivate Investments is a next-generation investment manager designed around people like you.

A new partnership with an educated clientele emphasizes respect for your intellect and life purpose.

We focus on aligned interests, investing a vast portion of our family wealth alongside yours.

Flexible thinking and original technology distinguish a classic value investment approach.

Learn how Cultivate Investments can help you fulfill your investment goals.


Loren Kinczel, Founder

Loren Kinczel founded Cultivate Financial Group LLC in 2017. He was previously Managing Director, Senior Research Analyst, and Executive Committee Member at Scharf Investments, a top-rated multibillion-dollar Registered Investment Advisor.

Loren graduated with honors from Harvard University with a Bachelor of Arts Degree and earned his MBA from the Haas School of Business at the University of California, Berkeley.

He is a Trustee for the UC Santa Cruz Foundation where he chairs the Investment & Finance Committee. He also serves as a member of the University of California Observatories Director’s Advisory Council.

He lives in Los Gatos, California with his wife and three children.

Risks and Disclosures

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Cultivate Financial Group LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Cultivate Financial Group LLC a Registered Investment Advisor in the State of California.

The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of California or where otherwise legally permitted.

Content should not be viewed as an offer to buy or sell any of the securities mentioned or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation. Cultivate Financial Group LLC is not engaged in the practice of law. Investing always involves risk and possible loss of capital.

Cultivate Financial Group LLC is not affiliated with or endorsed by the Social Security Administration or any government agency.