Up North Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Up North Financial, LLC provides financial planning, consulting, and investment management to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, corporations and other business entities, and discloses that it also serves state and municipal government clients — a client type only a small share of peers report. The firm manages the bulk of client assets on a discretionary basis.
The firm tailors strategic asset allocations to client goals, time horizon, and risk tolerance and implements portfolios using mutual funds, ETFs, individual equity and debt securities, and advice on held‑away products such as variable insurance and employer retirement plans. Its analysis combines fundamental, technical, and cyclical methods, and managed portfolios are monitored on an ongoing basis with regular quarterly reviews.
Distinctive operational features disclosed by the firm include its explicit work with public‑sector (state/municipal) clients and its relationships with a major custodian that provide technology, research, and administrative support, which the firm acknowledges can create conflicts of interest. The firm also may have limited custody arrangements through standing letters of authorization and does not accept authority to vote client proxies.
Client services
Expertise
Fee options
Fixed fees for financial planning and consulting services, generally up to $5,000, negotiable
0.25% to 2.00% annual asset-based fees (varies by asset size, net worth, and service type)
Minimum fee: $5,000 to $30,000 (fixed fees for investment management services) Fee-only: Fixed fees for financial planning and consulting, generally up to $5,000, negotiable
Main office
223 East State Street, Suite 200
Traverse City MI 49684
Advisors at this office
2
Most active in
Florida · Michigan · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Quick links
Advisors at this firm
William F
Series 63, Series 65
Traverse City, MI
Up North Financial, LLC
William Flynn is a financial advisor at Up North Financial, LLC in Traverse City, MI, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Up North Financial since 2009. Up North Financial provides financial planning, consulting, and investment management services to individuals—including high-net-worth clients—as well as pension and profit-sharing plans and corporate entities. The firm customizes portfolios based on client objectives and risk tolerance, using a mix of fundamental, technical, and cyclical analysis, and offers both discretionary and non-discretionary management.
Mark H
CFP®, Series 63, Series 65
Traverse City, MI
Up North Financial, LLC
Mark Herman is a Certified Financial Planner (CFP®) with 34 years of industry experience. He has been associated with Up North Financial, LLC and Purshe Kaplan Sterling Investments since 2009. Herman is also a registered representative and an independent insurance agent. Up North Financial, LLC provides financial planning, consulting, and investment management services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans and corporate entities. The firm manages approximately $186.1 million in assets, focusing on tailored portfolios that align with clients’ objectives, time horizons, and risk tolerances.
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