Upkeep Financial

Upkeep Financial provides investment management and financial planning services for pooled and institutional mandates as well as individuals and businesses, offering continuous, tailored portfolio management and periodic reviews. The firm operates a wrap-fee program and may deploy third‑party solutions and sub‑advisors to implement strategies and model portfolios.

The firm’s investment process emphasizes passive portfolio construction using index mutual funds and ETFs for tax efficiency and low internal costs, supplemented by fundamental analysis and the option to allocate to outside or sub‑advisors for discretionary model management. Upkeep Financial documents a due‑diligence and monitoring process for selecting other advisers and offers financial planning both on an hourly basis and as ongoing engagements.

What distinguishes the firm relative to many peers is its combination of roles: it acts as a wrap‑fee program sponsor, recommends and selects other investment advisers (including a technology‑driven sub‑advisor), and is affiliated with a public accounting practice (Upside Tax LLC), which the firm says can facilitate coordinated tax and planning advice. The adviser is newly organized, reports no current assets under management, and discloses formal policies for manager selection, custody arrangements across multiple execution platforms, and fee billing practices.