ONE-UP Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$106,310,753
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
96
39% high-net-worth
Advisors
1
of 9 employees
Firm type
Supported
1-4 advisors or >$200M in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
96
Very HighAverage account size
$1,107,404
About
One-Up Financial provides fee-only investment management, ongoing financial planning, and retirement plan consulting and management to individuals, high-net-worth clients, pension and profit-sharing plans, charitable and corporate clients. The firm manages discretionary and non-discretionary accounts and reports roughly $107 million in assets for about 96 clients while operating with a single advisory professional.
The firm’s investment approach emphasizes asset allocation grounded in Modern Portfolio Theory, combining passive and active strategies along with fundamental analysis to select stocks, bonds, mutual funds, and ETFs. Portfolios are constructed to pursue client goals rather than to chase benchmarks, and the firm may recommend structured products to high-net-worth clients with a required risk acknowledgement when those instruments are used.
Distinctive features include a recent formation and SEC registration shortly after inception, and the firm’s engagement as a fiduciary retirement-plan advisor (including acting as an ERISA investment manager when retained) despite its small advisor headcount. The brochure also discloses a solicitor arrangement with an accounting firm for client referrals and a custody recommendation for an institutional custodian, and the firm relies on custodial statements rather than providing separate written performance reports or proxy-voting services.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Business ownership considerations
Business exit / sale strategy
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
$0 - $500,000: 1.00% $500,001 - $2,000,000: 0.80% $2,000,001 - $5,000,000: 0.60% $5,000,001 - $10,000,000: 0.40% Over $10,000,000+: 0.20%
Fee-only: Financial Planning fees ranging from $250 to $750 quarterly in advance, negotiable. Retirement Plan Consulting and Management fees up to 1% of plan assets or flat fee, negotiable.
Main office location
ONE-UP Financial
1545 West 38 Th Street
Erie PA 16508, United States
Number of offices
1
Most active in
ONE-UP Financial has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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