The Cultivar Model
Cultivar helps families move from financial learning to financial participation. Many programs stop at financial education.
…Cultivar focuses on what happens next.
Learn
Families gain a clear understanding of how financial systems work, from saving and budgeting to long-term investment tools.
Build
Families begin practicing real financial habits through money conversations, reflection exercises, saving challenges, and everyday financial decisions.
Grow
Families connect their knowledge and habits to real wealth-building tools such as savings accounts, investment accounts, and long-term asset programs.
Our Programs
Cultivar initiatives bring this model into communities through programs such as:
• Cultivar Kids
• Cultivar Activators
• Family workshops and events
• Community learning experiences
• Digital tools and content
Cultivar initiatives bring this model
into communities through programs such as:
• Cultivar Kids
• Cultivar Connectors
• family workshops and events
• community learning experiences
• digital tools and content
These programs help families move from financial understanding to real financial participation.
Cultivar helps families engage with long-term wealth tools such as children’s investment accounts and asset-building programs.
These programs help families move from financial understanding
to real financial participation.
These programs help families move from
financial understanding to real
financial participation.
Our
Programs
Cultivar initiatives bring this
model into communities through
programs such as:
• Cultivar Kids
• Cultivar Connectors
• family workshops and events
• community learning experiences
• digital tools and content
These programs help families move
from financial understanding to
real financial participation.
The Cultivar Model
Cultivar helps families move from financial learning to financial participation. Cultivar Communities helps families build financial confidence through learning, identity, and participation in long-term wealth-building tools. Many programs stop at financial education.
…Cultivar focuses on what happens next.
Funders and partners reach us at
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
Funders and partners reach us at
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
Funders and partners reach us at
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
Funders and partners reach us at
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