Zachary Miller is a CFP® professional with four years of industry experience. He is currently with Upstream Financial Advisors LLC and previously worked at Miller Wealth Management LLC and Avantax Advisory Services. In addition to his advisory roles, he owns Miller Tax & Consulting PLLC, a tax and consulting practice he has operated since 2015. Upstream Financial Advisors LLC serves individual and high-net-worth clients, providing discretionary investment management, financial planning, and tax preparation services. The firm employs a blend of passive and active strategies centered on asset allocation and incorporates socially conscious or commodity-linked investments upon client request.

Derek Ketcho is a CFP® professional with five years of experience in the financial services industry. He has worked at Upstream Financial Advisors LLC since 2023 and has prior experience with Cahill Financial Advisors, JNBA Financial Advisors, US Bank Private Wealth Management, and HomeTown Bank. Upstream Financial Advisors LLC serves individual and high-net-worth clients, offering discretionary investment management, financial planning, and tax services. The firm uses a blend of passive and active investment strategies focused on asset allocation and tailors managed accounts to client goals, risk tolerance, and tax considerations.