A complete list of active advisors currently associated with Upstream Financial Advisors LLC

Warmer can help you find a great advisor at Upstream Financial Advisors LLC or one who fits your needs even better.

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.

To learn more about the advisors currently working at Upstream Financial Advisors LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Derek Ketcho	Victoria, MN	5
Zachary Miller	Victoria, MN	4

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