AdvisorCensus / Financial advisors / Up Financial USA Inc.
Up Financial USA Inc.
Filed as UP FINANCIAL USA INC.
Up Financial USA Inc. is an SEC-registered investment advisory firm in Calgary, Alberta, Canada, registered since 2023, reporting under $25 million in regulatory assets under management in its Form ADV filing dated May 29, 2026.
Quick answers
From the filingHow is Up Financial USA Inc. compensated?
On its Form ADV (Item 5.E, October 2026), Up Financial USA Inc. reports these compensation arrangements: a percentage of assets under its management.
How much does Up Financial USA Inc. charge?
Its Form ADV Part 2A brochure dated May 29, 2026 states: Up to $500,000: 1.2% a year; $500,001 to $2,000,000: 1% a year; $2,000,001 to $5,000,000: 0.85% a year; $5,000,001 to $10,000,000: 0.8% a year; $10,000,001 to $25,000,000: 0.7% a year; $25,000,001 to $50,000,000: 0.4% a year; $50,000,001 to $100,000,000: 0.3% a year; Above $100,000,001: 0.25% a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Up Financial USA Inc. located?
Up Financial USA Inc.'s principal office is in Calgary, Alberta, Canada, according to its Form ADV.
Is Up Financial USA Inc. registered with the SEC or a state?
Up Financial USA Inc. is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 326602.
How much does Up Financial USA Inc. manage?
Up Financial USA Inc. reports $4,128,508 in regulatory assets under management in its Form ADV filing dated May 29, 2026 (100% discretionary).
How have Up Financial USA Inc.'s assets and staff changed since 2023?
In the Form ADV data for Up Financial USA Inc.: Regulatory assets under management: $0 in the October 2023 data and $4,128,508 in the October 2026 data. Total employees: 2 in October 2023 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.
Which custodians does Up Financial USA Inc. use?
Up Financial USA Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.
Does Up Financial USA Inc. report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/326602
Does Up Financial USA Inc. state an account minimum?
Its Form ADV Part 2A brochure dated May 29, 2026 says: "There are no minimum investment amounts or conditions required for establishing an account managed by Up Financial USA. However, all clients are required to execute an agreement for services in order to establish a client arrangement with Up Financial USA."
What changed in Up Financial USA Inc.'s recent Form ADV filings?
In the June 2026 filing data: Regulatory assets under management went from $2,004,295 to $4,128,508 (+106%).
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2A| Assets | Annual rate |
|---|---|
| Up to $500,000 | 1.2% |
| $500,001 to $2,000,000 | 1% |
| $2,000,001 to $5,000,000 | 0.85% |
| $5,000,001 to $10,000,000 | 0.8% |
| $10,000,001 to $25,000,000 | 0.7% |
| $25,000,001 to $50,000,000 | 0.4% |
| $50,000,001 to $100,000,000 | 0.3% |
| Above $100,000,001 | 0.25% |
The brochure's wording
The following is our standard fee schedule. Please note that fees charged for our asset management services are negotiable based on the type of client, the potential for additional account deposits, the relationship of the client with the investment adviser representative, and the total amount of assets under management for the client.
1.20% on the first $500,000, then 1.00% on assets of $500,001 – 2,000,000, then .85% on assets of $2,000,001 – $5,000,000, then .80% on assets of $5,000,001 - $10,000,000, then .70% on assets of $10,000,001 - $25,000,000, then .40% on assets of $25,000,001 - $50,000,000, then .30% on assets of $50,000,001 - $100,000,000, then .25% on assets over $100,000,000
Account minimum: None
The brochure's wording
There are no minimum investment amounts or conditions required for establishing an account managed by Up Financial USA. However, all clients are required to execute an agreement for services in order to establish a client arrangement with Up Financial USA.
As stated in the firm's Form ADV Part 2A brochure dated May 29, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$4,128,508 as of October 2026, filing dated May 29, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
Registration and firm details
Items 1, 2, 5- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2023 (3 years)
- Employees
- Total: 5. Performing investment advisory functions: 3.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- States registered or notice-filed
-
1 state or jurisdiction
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $4,128,508 | 5 | May 29, 2026 |
| October 2025 | $2,004,295 | 3 | May 6, 2025 |
| October 2024 | $0 | 2 | March 26, 2024 |
| October 2023 | $0 | 2 | May 11, 2023 |
Regulatory assets under management: $0 in the October 2023 data and $4,128,508 in the October 2026 data.
Total employees: 2 in October 2023 and 5 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- June 2026
- Regulatory assets under management went from $2,004,295 to $4,128,508 (+106%).
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.INot reported.
Source: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Up Financial USA Inc. (CRD 326602): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/up-financial-usa-inc-calgary-alberta-326602