Upstate Financial Planning, LLC

Overview

Upstate Financial Planning, LLC is a small, independent registered investment adviser that focuses on financial planning and portfolio management for individual and family clients. The firm operates with a hybrid fee approach — charging a percentage of assets under management and offering hourly planning engagements — and places clear emphasis on equity exposure within client portfolios. Most of its managed assets are held on a discretionary basis, indicating the firm routinely implements model allocations and trades on behalf of clients rather than solely offering advice. Investment activity centers on exchange-traded equities and ETFs as core building blocks, with supplemental use of mutual funds and annuity products where appropriate for income or insurance needs. For wealthier clients seeking illiquid or non-traditional exposure, the firm allocates to third-party alternative fund managers across private equity, venture capital, hedge funds, private placements and real estate. The firm does not present itself as an ESG-focused manager and is classified as an independent RIA organized as a limited liability company.

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Location & Offices