DFX Intelligence
RIA Intelligence
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SEC-registered adviser
U• N•••• F••••••••• L••
Latest filing Mar 27, 2026
First filing on the tape Mar 28, 2012 · 9 filings
SEC status approved since Apr 23, 2021
RAUM
$204M
reported, Item 5.F
Discretionary
100%
of RAUM
Private clients
100%
$203M individuals and HNW
Advisors
2
registered through the firm on IAPD
RAUM per advisor
$102M
derived; firm RAUM over IAPD count
Employees
4
2 advisory (5.B.1)
Offices
0
beyond the principal office
Private funds
0
reported on Schedule D
History
9 filings and snapshots on the tape
RAUM$204M as of Mar 27, 2026
Mar 28, 2012$51.2M then
HNW client RAUM$134M as of Mar 27, 2026
Mar 24, 2022$93.9M then
State-registered IARs (5.B.3)2 as of Mar 27, 2026
Mar 24, 20222 then
Employees (5.A)4 as of Mar 27, 2026
Mar 24, 20222 then
Private funds: no history
RAUM +9.5% over the last fiscal year+17% a year over threeIARs 2 to 2
Practice profile
derived from the filing of Mar 27, 2026; every figure names its basis
Archetypes, each a printed rule
- HNW wealth manager · private-client share of RAUM at least 50 percent and HNW share of private-client RAUM 50 to 90 percent
- Independent boutique · a wealth manager with no broker-dealer, bank or insurance affiliate, 2 to 25 advisors, one to three offices, no public reporting company control
- Solo or small team · one advisor, or a wealth manager with up to three advisors and one office
- RAUM per advisor
- $102MderivedRAUM over IAPD advisors; not a book size
- Clients per advisor
- 169derivedindividual and HNW clients (5.D) over advisors
- Average HNW client
- $2.3MderivedHNW RAUM over HNW clients
- Average account
- $191,350derivedRAUM over accounts (5.F.2.f)
- Discretionary
- 100%derivedof RAUM
- Institutional
- 0.3%derivedpensions, charities, corporations, government, insurance, banks, other advisers
- Employees per advisor
- 2.0derivedItem 5.A over advisors
- Advisors per office
- 2.0derived1 offices incl. principal (1.F.5)
- RAUM growth, one year
- +9.5%derivedbetween the last two annual amendments
- Advisor growth, one year
- +0.0%derivedItem 5.B.3 between annual amendments
- Client growth, one year
- +0.9%derived
- Compensation
- percentage of assets, fixed feesreportedItem 5.E
- Advisory activities
- financial planning, portfolio management for individualsreportedItem 5.G
- Custody
- $30.4M, 131 clientsreportedItem 9.A
- Ownership
- no PE, bank or public-company owner found on Schedule Aderived
- Advisor book size
- not public; not estimatedreported
Also answered yes on Form ADV
- buys or sells securities as principal to or from clients (8.A.2)
- has discretionary authority over which securities are bought or sold (8.C.1)
- receives research or other products from a broker-dealer, soft dollars (8.E)
- has custody of client cash or bank accounts (9.A.1.a)
- has custody of client securities (9.A.1.b)
Where the RAUM sits
Form ADV Item 5.D, latest filing
- High-net-worth individuals$134M66%
- Individuals$69.2M34%
- Charitable organizations$625,1850.3%
- State and municipal entities$62,4940.0%
- Individual clients
- 280reported
- HNW clients
- 57reported
- Pension plan clients
- 0reported
- Charitable clients
- n/areported
- Accounts
- 1,065reported
- Financial planning clients
- 11-25reported
- Wrap fee programs
- noreported
- Custody of client assets
- $30.4M for 131 clientsreported
- Compensation
- % of AUM, fixedreported
- Class basis
- private_client_share=1.0 fund_share=0.0 institutional_share=0.0 related_bd=false related_bank=false bd_reps=0.0derived
Advisors registered through the firm
2 on IAPD today, longest tenure first
| Name | Branch | Here since | In industry | Prior firms |
|---|---|---|---|---|
| W•••••• F•••••• F•••• | Traverse City, Mi | Dec 23, 2021 | 41 y | 1 |
| M••• D••••• H•••••Certified Financial Planner | Traverse City, Mi | Dec 23, 2021 | 34 y | 1 |
Advisor movement
0 left, 0 joined in 12 months
net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 0.0% of current headcount0 left over 36 months
Left, latest
none on the tape
Joined, latest
none on the tape
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
- H•••••• M•••• D••••• · Managing Member / Chief Compliance Officercontrolsince 08/2009 · owns 75% or more
Related persons
Schedule D 7.A
No related person reported.
Office movement
IAPD branch city; joins and departures in 12 months
| Office | Advisors | Joined | Left | Teams out | Forming |
|---|---|---|---|---|---|
| Traverse City, Mi · principal | 2 | 0 | 0 |
Offices
Schedule D 1.F, the 25 largest
No branch office listed.
What changed
consecutive filings, newest first
- Accounts · 1,010 to 1,065Mar 17, 2025 to Mar 27, 2026
- HNW clients · 59 to 57Mar 17, 2025 to Mar 27, 2026
- Individual clients · 275 to 280Mar 17, 2025 to Mar 27, 2026
- Assets in custody · $23.5M to $30.4MMar 17, 2025 to Mar 27, 2026
- Discretionary RAUM · $173M to $203MMar 17, 2025 to Mar 27, 2026
- HNW RAUM · $130M to $134MMar 17, 2025 to Mar 27, 2026
- Individual RAUM · $55.2M to $69.2MMar 17, 2025 to Mar 27, 2026
- Non-discretionary RAUM · $12.7M to $1.0MMar 17, 2025 to Mar 27, 2026
- RAUM · $186M to $204MMar 17, 2025 to Mar 27, 2026
- Accounts · 973 to 1,010Mar 7, 2024 to Mar 17, 2025
- Charity clients · 0.0 to unsetMar 7, 2024 to Mar 17, 2025
- HNW clients · 38 to 59Mar 7, 2024 to Mar 17, 2025
- Individual clients · 312 to 275Mar 7, 2024 to Mar 17, 2025
- Assets in custody · $78.3M to $23.5MMar 7, 2024 to Mar 17, 2025
- Employees · 2 to 4Mar 7, 2024 to Mar 17, 2025
- Financial planning clients · 11-25 to 11-25Mar 7, 2024 to Mar 17, 2025
- Discretionary RAUM · $165M to $173MMar 7, 2024 to Mar 17, 2025
- HNW RAUM · $70.5M to $130MMar 7, 2024 to Mar 17, 2025
- Individual RAUM · $94.8M to $55.2MMar 7, 2024 to Mar 17, 2025
- Non-discretionary RAUM · $0 to $12.7MMar 7, 2024 to Mar 17, 2025
- RAUM · $165M to $186MMar 7, 2024 to Mar 17, 2025
- Accounts · 922 to 973Mar 22, 2023 to Mar 7, 2024
- Charity clients · 1 to 0Mar 22, 2023 to Mar 7, 2024
- HNW clients · 39 to 38Mar 22, 2023 to Mar 7, 2024
- Individual clients · 283 to 312Mar 22, 2023 to Mar 7, 2024
- Assets in custody · $68.9M to $78.3MMar 22, 2023 to Mar 7, 2024
- Financial planning clients · 1-10 to 11-25Mar 22, 2023 to Mar 7, 2024
- Discretionary RAUM · $129M to $165MMar 22, 2023 to Mar 7, 2024
- HNW RAUM · $77.6M to $70.5MMar 22, 2023 to Mar 7, 2024
- Individual RAUM · $50.4M to $94.8MMar 22, 2023 to Mar 7, 2024
- RAUM · $129M to $165MMar 22, 2023 to Mar 7, 2024
- Accounts · 786 to 922Mar 24, 2022 to Mar 22, 2023
- HNW clients · 46 to 39Mar 24, 2022 to Mar 22, 2023
- Individual clients · 223 to 283Mar 24, 2022 to Mar 22, 2023
- Assets in custody · $107M to $68.9MMar 24, 2022 to Mar 22, 2023
- Financial planning clients · 26-50 to 1-10Mar 24, 2022 to Mar 22, 2023
- Discretionary RAUM · $132M to $129MMar 24, 2022 to Mar 22, 2023
- HNW RAUM · $93.9M to $77.6MMar 24, 2022 to Mar 22, 2023
- Individual RAUM · $39.5M to $50.4MMar 24, 2022 to Mar 22, 2023
- Non-discretionary RAUM · $1.8M to $0Mar 24, 2022 to Mar 22, 2023
Signals
1 dated events
- U• N•••• F••••••••• L•• filed its initial SEC registration (Form ADV)Mar 25, 2021 · First SEC registration · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
- Business email
- s•••••@u•••••••••.comreportedpublished by the firm, firm site, Sep 17, 2026
- Business phone
- 231-929-9300reportedpublished by the firm, firm site, Sep 17, 2026
- Business phone
- 231-929-9301reportedpublished by the firm, firm site, Sep 17, 2026
- Business phone
- 888-929-6678reportedpublished by the firm, firm site, Sep 17, 2026
- Firm profile
- LINKEDIN.COM/COMPANY/UP-N••••-FINANCIAL-LLCreportedpublic record, Form ADV, Sep 21, 2026
- Website
- UPN••••FINANCIAL.COMreportedpublic record, Form ADV, Sep 21, 2026
- Principal office phone
- (231) 929-9300reportedpublic record, Form ADV, Mar 27, 2026
Provenance
- Form ADV
- SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
- Advisors
- IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
- Class
- Independent wealth managerderiveda rule over Items 5.D and 7.A
- RAUM per advisor
- $102Mderivedfirm RAUM over the IAPD count; not a book size
- Loaded
- Sep 14, 2026