{
  "crd_number": 326602,
  "slug": "up-financial-usa-inc-calgary-alberta-326602",
  "primary_business_name": "UP FINANCIAL USA INC.",
  "legal_name": "UP FINANCIAL USA INC.",
  "dbas": [],
  "city": "Calgary, Alberta",
  "state": null,
  "country": "Canada",
  "cbsa_code": null,
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2023-06-20",
  "years_registered": 3,
  "period": "2026-10-01",
  "filing_date": "2026-05-29",
  "carried_forward": false,
  "raum_total": 4128508.0,
  "raum_discretionary": 4128508.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "under_25m",
  "raum_band_label": "Under $25 million",
  "total_employees": 5,
  "advisory_employees": 3,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 855711.0,
      "count": null,
      "fewer_than_5": true
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 3272797.0,
      "count": null,
      "fewer_than_5": true
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "TX"
  ],
  "websites": [],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/326602",
  "city_as_filed": "CALGARY, ALBERTA",
  "url": "https://advisorcensus.com/firm/up-financial-usa-inc-calgary-alberta-326602",
  "display_name": "Up Financial USA Inc.",
  "summary": "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.",
  "citation": "AdvisorCensus. Up Financial USA Inc. (CRD 326602): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Up Financial USA Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Up Financial USA Inc. reports these compensation arrangements: a percentage of assets under its management."
    },
    {
      "q": "How much does Up Financial USA Inc. charge?",
      "a": "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."
    },
    {
      "q": "Where is Up Financial USA Inc. located?",
      "a": "Up Financial USA Inc.'s principal office is in Calgary, Alberta, Canada, according to its Form ADV."
    },
    {
      "q": "Is Up Financial USA Inc. registered with the SEC or a state?",
      "a": "Up Financial USA Inc. is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 326602."
    },
    {
      "q": "How much does Up Financial USA Inc. manage?",
      "a": "Up Financial USA Inc. reports $4,128,508 in regulatory assets under management in its Form ADV filing dated May 29, 2026 (100% discretionary)."
    },
    {
      "q": "How have Up Financial USA Inc.'s assets and staff changed since 2023?",
      "a": "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."
    },
    {
      "q": "Which custodians does Up Financial USA Inc. use?",
      "a": "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."
    },
    {
      "q": "Does Up Financial USA Inc. report any disciplinary disclosures?",
      "a": "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"
    },
    {
      "q": "Does Up Financial USA Inc. state an account minimum?",
      "a": "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.\""
    },
    {
      "q": "What changed in Up Financial USA Inc.'s recent Form ADV filings?",
      "a": "In the June 2026 filing data: Regulatory assets under management went from $2,004,295 to $4,128,508 (+106%)."
    }
  ],
  "filing_history": [
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 0.0,
      "total_employees": 2,
      "filing_date": "2023-05-11"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 0.0,
      "total_employees": 2,
      "filing_date": "2024-03-26"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 2004295.0,
      "total_employees": 3,
      "filing_date": "2025-05-06"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 4128508.0,
      "total_employees": 5,
      "filing_date": "2026-05-29"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-06-01",
      "period_label": "June 2026",
      "notes": [
        "Regulatory assets under management went from $2,004,295 to $4,128,508 (+106%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated May 29, 2026",
    "provided_by_the_firm": false,
    "tiers": [
      {
        "band": "Up to $500,000",
        "rate": "1.2%"
      },
      {
        "band": "$500,001 to $2,000,000",
        "rate": "1%"
      },
      {
        "band": "$2,000,001 to $5,000,000",
        "rate": "0.85%"
      },
      {
        "band": "$5,000,001 to $10,000,000",
        "rate": "0.8%"
      },
      {
        "band": "$10,000,001 to $25,000,000",
        "rate": "0.7%"
      },
      {
        "band": "$25,000,001 to $50,000,000",
        "rate": "0.4%"
      },
      {
        "band": "$50,000,001 to $100,000,000",
        "rate": "0.3%"
      },
      {
        "band": "Above $100,000,001",
        "rate": "0.25%"
      }
    ],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [],
    "figures": [
      {
        "label": "Fee schedule",
        "statements": [
          "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"
        ],
        "quotes": [
          "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"
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "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."
        ]
      }
    ],
    "values": {
      "tiers": [
        {
          "min": 0.0,
          "max": 500000.0,
          "rate_pct": 1.2
        },
        {
          "min": 500001.0,
          "max": 2000000.0,
          "rate_pct": 1.0
        },
        {
          "min": 2000001.0,
          "max": 5000000.0,
          "rate_pct": 0.85
        },
        {
          "min": 5000001.0,
          "max": 10000000.0,
          "rate_pct": 0.8
        },
        {
          "min": 10000001.0,
          "max": 25000000.0,
          "rate_pct": 0.7
        },
        {
          "min": 25000001.0,
          "max": 50000000.0,
          "rate_pct": 0.4
        },
        {
          "min": 50000001.0,
          "max": 100000000.0,
          "rate_pct": 0.3
        },
        {
          "min": 100000001.0,
          "max": null,
          "rate_pct": 0.25
        }
      ],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": []
    },
    "quotes": [
      "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",
      "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."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/up-financial-usa-inc-calgary-alberta-326602.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": null,
      "fewer_than_5": true,
      "raum": 855711.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": null,
      "fewer_than_5": true,
      "raum": 3272797.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/326602",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}