Julie M. Quick

CULTIVATE FINANCIAL WELLNESS

HOWELL, MI

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CRD#: 4399536

Professional summary

Julie Marie-rafferty Quick, CFP®, who also goes by Julie Marie Rafferty, is a registered financial advisor currently at CULTIVATE FINANCIAL WELLNESS, LLC located in Howell, Michigan.

Julie is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2004. Julie has worked at 8 firms and has passed the Series 66, SIE, Series 7 and Series 24 exams.

At a Glance

Always Fiduciary

Min. Asset: Under $50K

Services Offered

Divorce Planning

Investment Planning

Comprehensive Financial Planning

Estate Planning

Insurance Planning

Retirement Planning

Specializations

Divorce Planning

Women's Financial Planning Issues

Biography

My parents divorced when I was eight years old. Overnight, my mother went from a stay-at-home mom to a single mother of four girls who had to work as she went back to school.

Money became tight. Even at that young age, I understood the vulnerable position my mom was in and how quickly financial security could change—especially for women.

The next formative money moment in my life came much later, in 2000 when I was in college. I wanted work experience in business and I came across a listing for a part-time job at a consulting firm—which turned out to be a financial services company.  

During my time there I realized that financial planning is about much more than numbers—it’s about paying attention to the emotions and life experiences of each individual person. As a result, I discovered a passion for helping others plan out their financial lives in a meaningful way that continues to this day.

Over the years that followed, I furthered my education and gained vast experience working with a variety of clients. But the ability to partner with courageous women who emerged from their challenges with grace, strength and resilience was the most fulfilling. After twenty years, I decided it was time to put my complete focus on guiding women through those difficult times. And Cultivate Financial Wellness was born.

When I’m not working, I love doing anything to do with fitness, but my favorite activities are yoga, running and walking my two dogs, Sullivan and Luger. I also enjoy cooking, traveling, and working on home improvement projects with my husband, Jeff. (Although, he might say I enjoy those home projects more than he does!)

Aliases

Julie Marie Rafferty

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Julie Marie-rafferty Quick's CRS (Customer Relationship Summary).

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2009

Experience

Current

April 20, 2020 - Present

CULTIVATE FINANCIAL WELLNESS, LLC

RIA

CRD#: 308633

HOWELL, MI

Past

September 4, 2019 - February 20, 2020

DAHRING | CUSMANO AND ASSOCIATES

RIA

CRD#: 301236

NOVI, MI

Past

November 26, 2018 - February 24, 2020

NEXT FINANCIAL GROUP, INC.

RIA

CRD#: 46214

NOVI, MI

Past

November 26, 2018 - February 24, 2020

NEXT FINANCIAL GROUP, INC.

CRD#: 46214

NOVI, MI

Past

June 29, 2015 - November 27, 2018

VISION CAPITAL PARTNERS

RIA

CRD#: 175147

NOVI, MI

Past

November 20, 2009 - July 20, 2015

HENRICKSON NAUTA WEALTH ADVISORS, INC.

RIA

CRD#: 141201

NORTHVILLE, MI

Past

May 31, 2007 - July 25, 2008

HENRICKSON NAUTA WEALTH ADVISORS, INC.

RIA

CRD#: 141201

BELMONT, MI

Past

August 11, 2006 - December 4, 2018

TRIAD ADVISORS LLC

CRD#: 25803

Novi, MI

Past

March 30, 2004 - April 1, 2006

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

CRD#: 2580

SOUTHFIELD, MI

Past

March 30, 2004 - August 14, 2006

OSAIC FA, INC.

CRD#: 3978

SOUTHFIELD, MI

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

California
(4/12/2023)

IAR

Michigan
(4/20/2020)

IAR

Texas
(12/8/2020)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 11/22/2006

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 3/29/2004

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 8/28/2006

General Securities Principal Examination

Current Firm

CULTIVATE FINANCIAL WELLNESS, LLC

CULTIVATE DIVORCE STRATEGIES | CULTIVATE FINANCIAL WELLNESS, LLC | CULTIVATE FINANCIAL WELLNESS

CRD#: 308633 / SEC#:

California

Registered Investment Advisory firm - (4/12/2023 Approved)

Michigan

Registered Investment Advisory firm - (4/20/2020 Approved)

Texas

Registered Investment Advisory firm - (12/7/2020 Conditional Restricted)

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Contact information

Main Address

Howell, MI

Mailing Address

325 S Michigan Ave Unit 61, Howell, MI 48844-5003

Phone number

(248) 963-1223

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	60
AUM (Assets Under Management)	$ 17,095,349

Red Flags

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Julie M. Quick

Professional summary

At a Glance

Services Offered

Specializations

Biography

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Julie Marie-rafferty Quick's CRS (Customer Relationship Summary).

Certified licenses

Experience

DAHRING | CUSMANO AND ASSOCIATES

NEXT FINANCIAL GROUP, INC.

NEXT FINANCIAL GROUP, INC.

VISION CAPITAL PARTNERS

HENRICKSON NAUTA WEALTH ADVISORS, INC.

HENRICKSON NAUTA WEALTH ADVISORS, INC.

TRIAD ADVISORS LLC

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

OSAIC FA, INC.

State Registrations and Notice Filings

Exams

Series 66

Date: 11/22/2006

SIE

Date: 10/1/2018

Series 7

Date: 3/29/2004

Series 24

Date: 8/28/2006

Current Firm

CULTIVATE FINANCIAL WELLNESS, LLC

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

CULTIVATE FINANCIAL WELLNESS, LLC

TRUST BUT VERIFY

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