# Vantage Point Wealth Management

> Vantage Point Wealth Management is an SEC-registered investment advisory firm in Plymouth, MN, registered since 2015, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 25, 2026.

- CRD: 167886
- Filed as: VANTAGE POINT WEALTH MANAGEMENT
- Legal name: VPWM Advisors, LLC
- Also doing business as: BOUNDARY WATERS WEALTH MANAGEMENT LLC, FMS FINANCIAL PLANNING, UP NORTH WEALTH ADVISORS, VANTAGE POINT WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Plymouth, MN
- Filing period: October 2026
- Form ADV filing dated: June 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/167886
- AdvisorCensus page: https://advisorcensus.com/firm/vantage-point-wealth-management-plymouth-mn-167886

## Quick answers

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

**Where is Vantage Point Wealth Management located?**
Vantage Point Wealth Management's principal office is in Plymouth, MN, according to its Form ADV; the July 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Vantage Point Wealth Management registered with the SEC or a state?**
Vantage Point Wealth Management is an SEC-registered investment advisory firm, registered since 2015. Status as filed: Approved. CRD 167886.

**How much does Vantage Point Wealth Management manage?**
Vantage Point Wealth Management reports $326,586,982 in regulatory assets under management in its Form ADV filing dated June 25, 2026 (90% discretionary).

**How have Vantage Point Wealth Management's assets and staff changed since 2021?**
In the Form ADV data for Vantage Point Wealth Management: Regulatory assets under management: $402,083,051 in the October 2021 data and $326,586,982 in the October 2026 data, down 19%. Total employees: 16 in October 2021 and 17 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Vantage Point Wealth Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (891); high net worth individuals (328); pension and profit sharing plans (but not the plan participants or government pension plans) (2).

**Which custodians does Vantage Point Wealth Management use?**
Vantage Point Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Vantage Point Wealth Management 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/167886

**What changed in Vantage Point Wealth Management's recent Form ADV filings?**
In the July 2026 filing data: Added the business name Boundary Waters Wealth Management LLC. Employees performing advisory functions went from 15 to 14. Registered or notice-filed in OR.

## From the Form ADV filing

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

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial LLC

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: $326,586,982
- Discretionary: $293,882,917
- Non-discretionary: $32,704,065

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 891 | $123,126,016 |
| High net worth individuals | 328 | $202,291,032 |
| 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) | 2 | $29,113 |
| Charitable organizations | 0 | $0 |
| 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 | 2 | $1,140,821 |
| 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)
- Educational seminars/workshops

### Firm details
- Registered since: 2015 (11 years)
- Employees: 17 total, 14 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AZ, CA, CO, FL, GA, IA, IL, MI, MN, MT, NC, ND, NV, OR, SC, SD, TX, VA, WA, WI, WY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the July 2026 filing
- Bismark, ND
- Edina, MN

### Websites listed on Form ADV (Item 1.I)
- vpwealthmgmt.com
- Facebook @VANTAGEPOINTWEALTHMANAGEMENT
- LinkedIn @VPWEALTHMGMT

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $402,083,051 | 16 | August 3, 2021 |
| October 2022 | $324,952,893 | 15 | May 20, 2022 |
| October 2023 | $303,198,638 | 15 | October 3, 2023 |
| October 2024 | $327,754,067 | 12 | March 21, 2024 |
| October 2025 | $277,355,003 | 15 | April 22, 2025 |
| October 2026 | $326,586,982 | 17 | June 25, 2026 |

Regulatory assets under management: $402,083,051 in the October 2021 data and $326,586,982 in the October 2026 data, down 19%.
Total employees: 16 in October 2021 and 17 in October 2026.

## Changes in the filing (last 12 months)

### July 2026
- Added the business name Boundary Waters Wealth Management LLC.
- Employees performing advisory functions went from 15 to 14.
- Registered or notice-filed in OR.

### April 2026
- Added the business name Up North Wealth Advisors.
- Regulatory assets under management went from $277,355,003 to $326,586,982 (+18%).
- No longer lists an office in Long Prairie, MN.

### February 2026
- Registered or notice-filed in MT.

### January 2026
- No longer registered or notice-filed in MT, NE, OH.

### November 2025
- No longer lists an office in Eden Prairie, MN.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Vantage Point Wealth Management (CRD 167886): Form ADV filing data as of October 2026.