Roseville, CA Office

Up Capital Management provides investment advisory and financial planning services to individuals (including high‑net‑worth clients), retirement plan sponsors and other entities. Services described in the brochure include discretionary and non‑discretionary portfolio management through the Up Management Program, financial planning and consulting, estate‑planning coordination using third‑party software, and retirement plan fiduciary and non‑fiduciary consulting.

The firm tailors portfolios to clients’ objectives using tactical and strategic asset‑allocation approaches and a set of model portfolios (Current Income; Income with Moderate Growth; Moderate Growth; Growth), and it employs a mix of fundamental, technical and cyclical analysis rather than systematic market timing. Up Capital advises on a broad range of instruments — from mutual funds and ETFs to private placements and real estate interests — and discloses that private investments are often illiquid and may require accredited‑investor status.

Noteworthy distinctions include the firm’s involvement with privately sponsored investment vehicles (a firm principal holds a 50% membership interest in a real estate investment entity) and the firm’s stated mitigation—no separate advisory fee is charged on client assets invested in those offerings and the firm reports it no longer solicits new investors for them. The brochure also discloses use of third‑party platforms and services (Orion for reporting and fee administration; EncorEstate Plans for estate coordination), occasional client newsletters, and equity or advisory relationships between firm personnel and outside fintech/marketing and model‑portfolio firms, all of which are material considerations for prospective clients.