Upstream Financial Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm advises individual and high-net-worth clients and provides discretionary investment management, ongoing and project-based financial planning, and tax preparation and business tax services. It operates as a fee-only adviser and may recommend third‑party professionals for legal, accounting, or insurance needs without receiving sales-based compensation.
Investment approach centers on asset allocation with a blend of passive and active strategies, informed by fundamental analysis and mutual fund/ETF evaluation, and the firm will construct socially conscious (ESG) or commodity-linked exposures when requested. Managed accounts are tailored to client goals, risk tolerance, and tax considerations, with the adviser exercising limited discretionary authority and performing regular (typically quarterly) reviews.
Noteworthy aspects disclosed in the brochure include an affiliated tax and accounting practice owned by a firm principal, with the adviser offering individual tax-return preparation as part of its combined service for clients meeting an assets threshold and billing business-related tax work separately; supervised persons within the firm perform those services and clients are not required to use the affiliated firm. The brochure also notes the firm may advise on commodity-related funds (for example, physical precious metals trusts) but that neither the firm nor its principals are registered as commodity pool operators or commodity trading advisors, and the firm directs clients to establish accounts with a specific institutional custodian.
Client services
Expertise
Fee options
Fixed fees for project-based financial planning up to $5,000
$0 - $500,000: 1.30% $500,001 - $1,000,000: 1.20% $1,000,001 - $2,000,000: 1.10% $2,000,001 - $3,000,000: 0.90% $3,000,001+: 0.80%
Account minimum: $400,000 Fee-only: Fee-only firm; advisory fees charged to clients, no commissions
Main office
Victoria MN
Advisors at this office
2
Most active in
Minnesota · 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 active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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.
Forms ADV
Quick links
Advisors at this firm
Zachary M
CFP®
Victoria, MN
Upstream Financial Advisors LLC
Zachary Miller is a CFP® with five years of industry experience, currently serving at Upstream Financial Advisors LLC since 2023. He previously worked at Miller Wealth Management LLC and Avantax Advisory Services from 2021 to 2024 and has operated Miller Tax & Consulting PLLC since 2015. Miller is also the sole owner of an inactive financial advisory practice registered as Miller Tax & Consulting PLLC. Upstream Financial Advisors LLC serves individual and high-net-worth clients by providing discretionary investment management, financial planning, and tax preparation services. The firm employs an asset allocation approach blending passive and active strategies and incorporates ESG and commodity-linked investments upon client request.
Derek K
CFP®
Victoria, MN
Upstream Financial Advisors LLC
Derek Ketcho is a CFP® professional with five years of experience in the financial services industry. He has worked at Upstream Financial Advisors LLC since 2023 and has prior experience with Cahill Financial Advisors, JNBA Financial Advisors, US Bank Private Wealth Management, and HomeTown Bank. Upstream Financial Advisors LLC serves individual and high-net-worth clients, offering discretionary investment management, financial planning, and tax services. The firm uses a blend of passive and active investment strategies focused on asset allocation and tailors managed accounts to client goals, risk tolerance, and tax considerations.
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