Sacramento, CA Office

Wheels Up Wealth serves individual and high-net-worth clients with combined ongoing comprehensive financial planning and discretionary investment management, along with project-based planning and short-form consulting options. The firm provides continuous advisory oversight and can advise on assets held away at other custodians through third‑party account aggregation and order‑management arrangements.

The firm’s investment approach is grounded in Modern Portfolio Theory and primarily employs passive investment management using index mutual funds and ETFs to construct diversified, asset‑class portfolios with a long‑term orientation. Operationally Wheels Up Wealth recommends Charles Schwab as custodian and also uses an automated model platform (Schwab’s Institutional Intelligent Portfolios program) for certain client segments to implement and rebalance portfolios.

Noteworthy aspects include its use of a third‑party order management system to analyze and tactically manage held‑away accounts—accessed via client‑provided links without Wheels Up Wealth storing credentials—and the inclusion of those held‑away assets in its reported AUM. The firm also combines advisor‑led planning with brief, focused planning sessions and discloses no related‑party affiliations or material conflicts of interest in its brochure.