Up North Financial, LLC

Up North Financial, LLC is a registered investment adviser based in Traverse, MI, established on July 31, 2009. The firm offers financial planning, consulting, and investment management services. Clients can engage in discretionary or non-discretionary asset management, with a focus on individual securities, mutual funds, ETFs, and other investment products. The firm tailors its services to clients' needs, considering factors like risk tolerance and time horizon. Clients have the freedom to accept or reject recommendations and retain control over implementation decisions. For financial planning and consulting services, fees are negotiable, typically up to $5,000. Investment management fees are based on a percentage of assets under management, ranging from 0.25% to 2.00%. UNF does not charge performance-based fees. The firm acts as a fiduciary and does not vote client securities. Clients receive regular account reviews and statements, with ongoing communication to review services and address any changes in financial situations or objectives. UNF recommends utilizing Fidelity for brokerage and clearing services, considering factors like financial strength and service quality. The firm may receive economic benefits from Fidelity, including research services and software support. UNF may exercise investment discretion with client authorization and does not vote client securities. The firm does not have any disciplinary disclosures or financial impairments. For more information, visit www.upnorthfinancial.com.