ONE-UP Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$83,476,405
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
90
37% high-net worth
Advisors
1
of 9 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
90
HighAverage account size
$927,516
About
SKM Wealth Advisors LLC dba One-Up Financial is a fee-only registered investment adviser offering investment management, financial planning, and retirement plan consulting and management to individuals, pension/profit-sharing plans, charitable organizations, and corporate clients. The firm reports approximately $84.6 million in client assets (about $66.6 million discretionary and $18.0 million non-discretionary) and typically charges percentage-of-assets fees for investment management.
The firm’s investment approach emphasizes asset allocation guided by modern portfolio theory and fundamental analysis, combining passive and active strategies across stocks, bonds, mutual funds, ETFs, and cash equivalents, with generally long-term holdings and occasional short-term trades. For plan sponsors it provides ongoing consulting and, in some engagements, discretionary retirement plan management and may serve as an ERISA 3(38) investment manager; some complex products (e.g., structured notes) are limited to suitable clients with signed risk acknowledgements.
One-Up Financial is a recently formed adviser (founded 2024, registered 2025) with close operational ties to a regional CPA firm, and many principals hold CPA/ tax roles at that firm, which informs its tax-aware planning and coordinated client services. The firm does not accept commissions, uses an institutional Schwab custody platform with direct fee deduction, and maintains a written solicitor arrangement to compensate referrals from the affiliated accounting practice.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Business sale tax planning
Business ownership considerations
Retirement plans for business owners (SEP, solo 401k)
General estate planning guidance
Cash flow / budgeting
Occupation focus
Founder/Business Owner
Retired
Fee options
Retirement Plan Consulting and Management fees may be charged as a flat fee or as a percentage of plan assets up to 1%, fees are negotiable and determined case-by-case
$0 - $500,000: 1.00% $500,001 - $2,000,000: 0.80% $2,000,001 - $5,000,000: 0.60% $5,000,001 - $10,000,000: 0.40% Over $10,000,000+: 0.20%
Fee-only: Financial Planning fees range from $250 to $750 per quarter, paid quarterly in advance; fees are negotiable and based on complexity and client needs
Main office location
ONE-UP Financial
1545 West 38 Th Street
Erie PA 16508, United States
Number of offices
1
Most active in
ONE-UP Financial has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")