Upbeat Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$20,190,021
Clients
83
4% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
83
Very HighAverage account size
$243,253
About
Upbeat Financial serves individuals, families, trusts and estates, pension and profit‑sharing plan participants, charitable organizations, and small businesses. The firm provides comprehensive financial planning and insurance planning (including life, long‑term care, and disability), retirement and education planning, estate analysis, and employer‑sponsored retirement plan design and implementation.
The firm does not directly manage client portfolios; instead it prepares Investment Policy Statements and works exclusively with third‑party investment advisors who implement strategies consistent with Efficient Market Portfolio Theory and buy‑and‑hold approaches. Upbeat monitors third‑party managers, conducts manager due diligence, provides participant education and IPS support, and reports that it has $20,190,021 under non‑discretionary management with outside managers.
What is noteworthy relative to peers is that Upbeat both sells insurance products for commissions as a licensed insurance agent and counts charitable organizations among its clients—features that are relatively uncommon for independent advisors. The firm’s model emphasizes referral and oversight of external managers rather than in‑house portfolio management, and its principal holds professional credentials in financial planning, tax representation, and sustainable investing.
Client services
Financial planning
Selection of other advisers
Expertise
Life insurance needs analysis
Long-term care insurance
Disability insurance
Retirement income strategy
College savings (529s, UTMA, etc.)
Fee options
Fixed fees ranging from $1,800 to $10,000 for broad based financial plans
$0 - $1,000,000: 1.0% annually $1,000,001 - $3,000,000: 0.8% annually $3,000,001 - $5,000,000: 0.6% annually $5,000,001+: 0.4% annually
Commissions earned on insurance product sales
Up to $300 per hour for financial planning services
Fee-only: Hourly fees up to $300 per hour; Fixed fees from $1,800 to $10,000 depending on plan complexity
Main office location
Upbeat Financial
Ada MI, United States
Number of offices
1
Most active in
Upbeat Financial has reported serving >5 clients in these states in the last 12 months.
Colorado · Michigan
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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
Quick links
LinkedIn
Facebook
Instagram
YouTube
Website
303-718-7400
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