Upward Financial Planning

Upward Financial Planning serves individual clients — including those with substantial assets — by providing discretionary investment management, comprehensive financial planning (both ongoing and project‑based), and tax return preparation. The firm also assists clients with insurance coverage and states that it may receive commissions when placing life insurance.

The firm builds individualized investment policies and asset‑allocation targets that combine passive and active strategies and a range of analytical methods (fundamental, technical, and portfolio theory), and it monitors accounts regularly under discretionary authority. Compensation is primarily percentage‑of‑AUM for portfolio management, while planning and tax services are billed as fixed or hourly fees; the firm recently raised its stated investment‑management account minimum to $500,000.

What distinguishes the firm from many peers is the combination of fee‑based advisory services with limited insurance brokerage activity (commissions for life insurance), an explicit offering of tax preparation, and a focus on business‑owner planning and exit‑planning work. The advisory practice is small with modest assets under management and a compact client base, and the firm’s principal maintains unrelated small‑business operations outside the advisory business, a factor clients may want to consider when assessing capacity and availability.