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 Connectors
• 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.