Fee-only adviser · Traverse City, MI
Up North Financial, LLC
Up North Financial, LLC is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in Traverse City, Michigan. On its latest Form ADV, filed March 27, 2026, it reports $204M in regulatory assets under management, 337 individual clients and 2 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | SEC-registered |
|---|---|
| Firm CRD number | 150996 · SEC file 801-120926 |
| Office | 223 East State Street Suite 200 Traverse City, MI 49684 |
| Phone | (231) 929-9300 |
| Website | www.upnorthfinancial.com |
| Regulatory assets under management | $204M ($203M discretionary) |
| Individual clients | 280 non-high-net-worth, 57 high-net-worth |
| Financial planning clients | 11-25 |
| How it charges | Percentage of assets, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 4 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | March 27, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Traverse City
- Old Mission Investment Company, LLC $929M
- Hemming& Wealth Management, Inc. $293M
- Independent Wealth Management, LLC $203M
- Tremonte Financial Consultants $63M
- Optimal Capital Advisors, LLC $120M
- Black Walnut Wealth Management $137M
See all 13 fee-only advisers in Traverse City →
Nearby
- Suttons Bay 1 firm
- Elk Rapids 1 firm
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