About Us

Cultivar is a participation and identity-change platform. We close the gap between federal financial policy and family follow-through.


The federal government launched the 530A, an investment account any child under 18 can open. Most families will never hear about it in time, or won't believe it was built for them. That's the work, person to person.


We train college-age Activators in the Proximate Educator Model™, young people working in the communities they grew up in. Families move through our Learn, Build, Grow curriculum toward one destination: an account opened, a child who starts as an owner.


Every family we reach walks away knowing the account exists, knowing how to open it, and believing it was built for them.

Identity

Identity


drives sustained financial behavior, more than information or intention. (Oyserman, 2015)


Cultivar leads with identity. When a young person sees themselves as an investor, saving stops feeling like sacrifice and starts feeling like self-expression.


Cultivar leads with identity. When a young person sees themselves as an investor, saving stops feeling like sacrifice and starts feeling like self-expression.

Proximity

is the mechanism. Learners engage and follow through more with educators who share their lived context. (Bandura, 1997)

We address the emotional side of money, not just the math, because behavior change starts with feeling seen, not shamed.

We address the emotional side of money, not just the math, because behavior change starts with feeling seen, not shamed.

2-3x


more follow-through when people name a specific action instead of a general intention. (Gollwitzer, 1999)


Every activation ends with each person committing to one specific step, and the 530A account gives every family a step worth taking.


Every activation ends with each person committing to one specific step, and the 530A account gives every family a step worth taking.

Beginning July 4th

Beginning July 4th

530A Enrollment

The federal government launched an investment account for children under 18. Accounts open July 4.

Cultivar helps families get there.

530A Enrollment

The federal government launched an investment account for children under 18. Accounts open July 4.

Cultivar helps families get there.

Community Events
Activations

Family pop-ups, Taco Tuesdays, and local storytelling nights that connect culture

and financial wellbeing.

Community Events
Activations

Family pop-ups, Taco Tuesdays, and local storytelling nights that connect culture

and financial wellbeing.

Educator Tools

Curriculum and training to support schools, after-school programs, and

community educators.

Educator Tools

Curriculum and training to support schools, after-school programs, and

community educators.

Connect With Cultivar

Tell us a little about your interest and we’ll follow up.

Connect With Cultivar

Tell us a little about your interest and we’ll follow up.

Cultivar Communities is an independent organization, not a government agency. We share general information, not financial, tax, or legal advice. We never open accounts for families or collect Social Security numbers. Funders and partners reach us at arellana@cultivarcommunities.com

© 2026 All Right Reserved

Cultivar Communities is an independent organization, not a government agency. We share general information, not financial, tax, or legal advice. We never open accounts for families or collect Social Security numbers. Funders and partners reach us at arellana@cultivarcommunities.com

© 2026 All Right Reserved

Cultivar Communities is an independent organization, not a government agency. We share general information, not financial, tax, or legal advice. We never open accounts for families or collect Social Security numbers. Funders and partners reach us at arellana@cultivarcommunities.com

© 2026 All Right Reserved

Cultivar Communities is an independent organization, not a government agency. We share general information, not financial, tax, or legal advice. We never open accounts for families or collect Social Security numbers. Funders and partners reach us at arellana@cultivarcommunities.com

© 2026 All Right Reserved