Up North Financial, LLC

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Client assets under management

$203,099,909

Clients

337

17% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

169

Very High

Average account size

$602,670

About

Up North Financial, LLC provides financial planning, consulting, and investment management to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, corporations and other business entities, and discloses that it also serves state and municipal government clients — a client type only a small share of peers report. The firm manages the bulk of client assets on a discretionary basis.

The firm tailors strategic asset allocations to client goals, time horizon, and risk tolerance and implements portfolios using mutual funds, ETFs, individual equity and debt securities, and advice on held‑away products such as variable insurance and employer retirement plans. Its analysis combines fundamental, technical, and cyclical methods, and managed portfolios are monitored on an ongoing basis with regular quarterly reviews.

Distinctive operational features disclosed by the firm include its explicit work with public‑sector (state/municipal) clients and its relationships with a major custodian that provide technology, research, and administrative support, which the firm acknowledges can create conflicts of interest. The firm also may have limited custody arrangements through standing letters of authorization and does not accept authority to vote client proxies.

Client services

Financial planning Portfolio management

Expertise

General retirement planning College savings (529s, UTMA, etc.) Wealth management ESG / Sustainable investing

Fee options

Fixed

Fixed fees for financial planning and consulting services, generally up to $5,000, negotiable

Percentage

0.25% to 2.00% annual asset-based fees (varies by asset size, net worth, and service type)

Other

Minimum fee: $5,000 to $30,000 (fixed fees for investment management services) Fee-only: Fixed fees for financial planning and consulting, generally up to $5,000, negotiable

Main office location

Up North Financial, LLC

223 East State Street, Suite 200

Traverse City MI 49684, United States

Number of offices

Most active in

Florida · Michigan · Texas

Disclosures

Business activities & affiliations

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website (231) 929-9300

Advisors at this firm

William F

Series 63, Series 65

Traverse City, MI

Up North Financial, LLC

William Flynn is a financial advisor at Up North Financial, LLC in Traverse City, MI, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Up North Financial since 2009. Up North Financial provides financial planning, consulting, and investment management services to individuals—including high-net-worth clients—as well as pension and profit-sharing plans and corporate entities. The firm customizes portfolios based on client objectives and risk tolerance, using a mix of fundamental, technical, and cyclical analysis, and offers both discretionary and non-discretionary management.

General retirement planning College savings (529s, UTMA, etc.) Wealth management ESG / Sustainable investing

Mark H

CFP®, Series 63, Series 65

Traverse City, MI

Up North Financial, LLC

Mark Herman is a Certified Financial Planner (CFP®) with 34 years of industry experience. He has been associated with Up North Financial, LLC and Purshe Kaplan Sterling Investments since 2009. Herman is also a registered representative and an independent insurance agent. Up North Financial, LLC provides financial planning, consulting, and investment management services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans and corporate entities. The firm manages approximately $186.1 million in assets, focusing on tailored portfolios that align with clients’ objectives, time horizons, and risk tolerances.

General retirement planning College savings (529s, UTMA, etc.) Wealth management ESG / Sustainable investing

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