# Upstart Wealth Management, LLC

> Upstart Wealth Management, LLC is an SEC-registered investment advisory firm in New York, NY, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 30, 2026.

- CRD: 173728
- Filed as: UPSTART WEALTH MANAGEMENT, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: New York, NY
- Filing period: October 2026
- Form ADV filing dated: July 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/173728
- AdvisorCensus page: https://advisorcensus.com/firm/upstart-wealth-management-llc-new-york-ny-173728

## Quick answers

**How is Upstart Wealth Management, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Upstart Wealth Management, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Upstart Wealth Management, LLC charge?**
Its Form ADV Part 2A brochure dated May 6, 2026 states: Hourly rate: $350 an hour (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Upstart Wealth Management, LLC located?**
Upstart Wealth Management, LLC's principal office is in New York, NY, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Upstart Wealth Management, LLC registered with the SEC or a state?**
Upstart Wealth Management, LLC is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 173728.

**How much does Upstart Wealth Management, LLC manage?**
Upstart Wealth Management, LLC reports $385,902,821 in regulatory assets under management in its Form ADV filing dated July 30, 2026 (100% discretionary).

**How have Upstart Wealth Management, LLC's assets and staff changed since 2021?**
In the Form ADV data for Upstart Wealth Management, LLC: Regulatory assets under management: $120,540,273 in the October 2021 data and $385,902,821 in the October 2026 data, up 220%. Total employees: 5 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Upstart Wealth Management, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (61); individuals (other than high net worth individuals) (30).

**Which custodians does Upstart Wealth Management, LLC use?**
Upstart Wealth Management, LLC'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 Upstart Wealth Management, LLC 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/173728

**Does Upstart Wealth Management, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated May 6, 2026 says: "There is no minimum account value required to open an account with Upstart, but please note that a Minimum Annual Fee will apply as described in Item 5, above."

**What changed in Upstart Wealth Management, LLC's recent Form ADV filings?**
In the June 2026 filing data: Registered or notice-filed in CT.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated May 6, 2026)

- Account minimum: None

> There is no minimum account value required to open an account with Upstart, but please note that a Minimum Annual Fee will apply as described in Item 5, above.

- Hourly rate: $350 an hour (financial planning services)

> it may be offered on an hourly basis at $350 per hour, subject to negotiation with a client and depending on the nature of the specified services.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $385,902,821
- Discretionary: $385,902,821
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 30 | $17,934,229 |
| High net worth individuals | 61 | $366,014,418 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | Fewer than 5 | $1,954,174 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2021 (5 years)
- Employees: 4 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CT, IL, MA, NC, NH, NY, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- New York, NY

### Websites listed on Form ADV (Item 1.I)
- upstartwealth.com
- LinkedIn @upstart-wealth-management-llc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $120,540,273 | 5 | July 14, 2021 |
| October 2022 | $213,869,178 | 6 | September 23, 2022 |
| October 2023 | $182,465,506 | 4 | September 13, 2023 |
| October 2024 | $247,961,661 | 4 | September 5, 2024 |
| October 2025 | $294,016,518 | 4 | April 10, 2025 |
| October 2026 | $385,902,821 | 4 | July 30, 2026 |

Regulatory assets under management: $120,540,273 in the October 2021 data and $385,902,821 in the October 2026 data, up 220%.
Total employees: 5 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Registered or notice-filed in CT.

### March 2026
- Regulatory assets under management went from $294,016,518 to $385,902,821 (+31%).
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Upstart Wealth Management, LLC (CRD 173728): Form ADV filing data as of October 2026.