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RIA / WealthAdvisorCertified Financial Planner20 years in industry

Julie Marie-Rafferty Quick

Advisor at CULTIVATE FINANCIAL WELLNESS, LLC

HOWELL, MI

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Search this name across graphsid dfx:ria:4997c08b-031c-6857-da6c-404d8d4daa86

Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 5:00 PM UTC and rebuilt at most every 15 minutes.

Relationships: 6
Dated events: 0
On other graphs: 0
Observed: May 31, 2007 to Sep 14, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: CULTIVATE FINANCIAL WELLNESS, LLC
Current firm class: state registeredderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Aug 1, 2006earliest registration or exam on IAPD
Years in industry: 20derivedfrom the industry start date
Years at current firm: 6derivedfrom the current registration's begin date
Prior firms: 5
Current registrations: 1
Registered states: 3
Designations: Certified Financial Planner
Exams: S66
First exam: Nov 22, 2006
First registration: May 31, 2007
Dual registered: no
Other names: JULIE MARIE RAFFERTY|JULIE MARIE RAFFERTY
IAPD individual key: 4399536

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
CULTIVATE FINANCIAL WELLNESS, LLC	State registered	Apr 20, 2020	n/a	yes	HOWELL, MI	Current employment
DAHRING \| CUSMANO AND ASSOCIATES	Independent wealth	Sep 4, 2019	Feb 20, 2020	no	NOVI, MI	Previous registration
NEXT FINANCIAL GROUP, INC.	Former SEC adviser	Nov 26, 2018	Feb 24, 2020	no	NOVI, MI	Previous registration
VISION CAPITAL PARTNERS	Independent wealth	Jun 29, 2015	Nov 27, 2018	no	ANN ARBOR, MI	Previous registration
HENRICKSON NAUTA WEALTH ADVISORS, INC.	Independent wealth	Nov 20, 2009	Jul 20, 2015	no	NORTHVILLE, MI\|BELMONT, MI	Previous registration
HENRICKSON NAUTA WEALTH ADVISORS, INC.	Independent wealth	May 31, 2007	Jul 25, 2008	no	BELMONT, MI	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
NEXT FINANCIAL GROUP, INC.	DAHRING \| CUSMANO AND ASSOCIATES	Feb 24, 2020	Sep 4, 2019	-173	Firm change after gap	Ibd to new firm
DAHRING \| CUSMANO AND ASSOCIATES	CULTIVATE FINANCIAL WELLNESS, LLC	Feb 20, 2020	Apr 20, 2020	60	Firm change	RIA to state RIA
VISION CAPITAL PARTNERS	NEXT FINANCIAL GROUP, INC.	Nov 27, 2018	Nov 26, 2018	-1	Firm change	RIA to RIA
HENRICKSON NAUTA WEALTH ADVISORS, INC.	VISION CAPITAL PARTNERS	Jul 20, 2015	Jun 29, 2015	-21	Firm change	Other

Team moves

moves this advisor made together with colleagues (two or more registrations ending and beginning together)

Team	Left	Joined	From	Kind
141201:175147:MI:2015-07-20	Jul 20, 2015	Jun 29, 2015	BELMONT, MI	Firm change

Relationships

Registered with (5)

→ CULTIVATE FINANCIAL WELLNESS, LLCRegistered adviserregistration: current employment
Apr 20, 2020 to presentfactForm ADV
→ NEXT FINANCIAL GROUP, INC.Registered adviserregistration: previous registration
Nov 26, 2018 to Feb 24, 2020factForm ADV
→ DAHRING | CUSMANO AND ASSOCIATESRegistered adviserregistration: previous registration
Sep 4, 2019 to Feb 20, 2020factForm ADV
→ VISION CAPITAL PARTNERSRegistered adviserregistration: previous registration
Jun 29, 2015 to Nov 27, 2018factForm ADV
→ HENRICKSON NAUTA WEALTH ADVISORS, INC.Registered adviserregistration: previous registration
Nov 20, 2009 to Jul 20, 2015factForm ADV

Dated events

No dated event names this entity yet.