Upstream Financial Advisors LLC

Upstream Financial Advisors LLC is a fee‑only registered investment adviser that provides investment management, ongoing financial planning, and tax preparation services to individuals and high‑net‑worth clients. The firm operates with a small advisory team and manages a modest asset base, offering both combined ongoing planning with portfolio management and standalone, project‑based planning engagements.

UFA develops individualized investment policies and asset‑allocation targets and implements portfolios using a mix of passive and active strategies, including stocks, bonds, mutual funds, and ETFs, and can incorporate socially responsible screens at a client’s request. Clients typically grant discretionary trading authority when agreed, receive quarterly reviews, and may combine investment management with ongoing planning and tax services as part of the firm’s integrated service model.

What is distinctive is the firm’s close operational relationship with an affiliated accounting and tax practice: one principal owns Miller Tax & Consulting PLLC and UFA provides or recommends tax preparation and business tax services, disclosing that clients are not required to use the affiliated firm; the brochure also notes that the owner devotes substantial time to that tax practice. UFA further requires custody on a single platform (Altruist) and implements trades on an individual (non‑aggregated) basis, practices the firm identifies as relevant to trade execution and service delivery.