Upward Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$17,191,685
Clients
77
0% high-net worth
Advisors
1
of 2 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
77
Very HighAverage account size
$223,269
About
Upward Financial Planning serves individual clients — including those with substantial assets — by providing discretionary investment management, comprehensive financial planning (both ongoing and project‑based), and tax return preparation. The firm also assists clients with insurance coverage and states that it may receive commissions when placing life insurance.
The firm builds individualized investment policies and asset‑allocation targets that combine passive and active strategies and a range of analytical methods (fundamental, technical, and portfolio theory), and it monitors accounts regularly under discretionary authority. Compensation is primarily percentage‑of‑AUM for portfolio management, while planning and tax services are billed as fixed or hourly fees; the firm recently raised its stated investment‑management account minimum to $500,000.
What distinguishes the firm from many peers is the combination of fee‑based advisory services with limited insurance brokerage activity (commissions for life insurance), an explicit offering of tax preparation, and a focus on business‑owner planning and exit‑planning work. The advisory practice is small with modest assets under management and a compact client base, and the firm’s principal maintains unrelated small‑business operations outside the advisory business, a factor clients may want to consider when assessing capacity and availability.
Client services
Financial planning
Portfolio management
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General retirement planning
Occupation focus
Founder/Business Owner
Demographic focus
Established Professionals
Fee options
Initial Financial Planning fee: $1,000 to $10,000; Project-Based Financial Planning fixed fee: $500 to $20,000
$0 - $250,000: 1.35% $250,001 - $500,000: 1.25% $500,001 - $1,000,000: 1.15% $1,000,001 - $2,500,000: 1.00% $2,500,001 - $5,000,000: 0.90% $5,000,001+: 0.70%
Commission income from sale of life insurance products
Project-Based Financial Planning hourly rate: $250; Tax Return Preparation hourly rate: $250
Ongoing Financial Planning monthly fee ranging from $50 to $500
Account minimum: $500,000 Fee-only: Ongoing Financial Planning: $50 to $500 per month, fixed fee; Project-Based Financial Planning: $500 to $20,000 fixed fee or $250 per hour; Tax Return Preparation: $175 to $650 or $250 per hour
Main office location
Upward Financial Planning
118 E Virginia Ave.
Vinton VA 24179, United States
Number of offices
1
Most active in
Upward Financial Planning has reported serving >5 clients in these states in the last 12 months.
Virginia
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.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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