Upbeat Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Upbeat Financial serves individuals, families, trusts and estates, pension and profit‑sharing plan participants, charitable organizations, and small businesses. The firm provides comprehensive financial planning and insurance planning (including life, long‑term care, and disability), retirement and education planning, estate analysis, and employer‑sponsored retirement plan design and implementation.
The firm does not directly manage client portfolios; instead it prepares Investment Policy Statements and works exclusively with third‑party investment advisors who implement strategies consistent with Efficient Market Portfolio Theory and buy‑and‑hold approaches. Upbeat monitors third‑party managers, conducts manager due diligence, provides participant education and IPS support, and reports that it has $20,190,021 under non‑discretionary management with outside managers.
What is noteworthy relative to peers is that Upbeat both sells insurance products for commissions as a licensed insurance agent and counts charitable organizations among its clients—features that are relatively uncommon for independent advisors. The firm’s model emphasizes referral and oversight of external managers rather than in‑house portfolio management, and its principal holds professional credentials in financial planning, tax representation, and sustainable investing.
Client services
Expertise
Fee options
Fixed fees ranging from $1,800 to $10,000 for broad based financial plans
$0 - $1,000,000: 1.0% annually $1,000,001 - $3,000,000: 0.8% annually $3,000,001 - $5,000,000: 0.6% annually $5,000,001+: 0.4% annually
Commissions earned on insurance product sales
Up to $300 per hour for financial planning services
Fee-only: Hourly fees up to $300 per hour; Fixed fees from $1,800 to $10,000 depending on plan complexity
Main office
Ada MI
Advisors at this office
1
Most active in
Colorado · Michigan
Also doing business as
Dna Consulting, Inc. · Dna Consulting, LLC · Upbeat Financial · Upbeat Financial Incorporated · Upbeat Financial Incorporated (Eff. 1/1/2023)
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)