Upstream Wealth Management Services

You hire us to provide you with solid, long-term financial advice. But as part of our fee-based relationship, we also offer a host of additional services to assist you on your wealth-building journey. Although you may not need to use them all, it’s worth knowing we’re mindful of your needs and stand ready to help if your situation changes.

Lifestyle Planning

A truism, but acting on it will have a profound effect on your happiness. Our goal-based planning service focuses on your true passions and desires and whether your lifestyle is allowing you to pursue them. Life doesn’t flow smoothly, plans shift. We guide you along by qualifying your aims and creating tangible objectives to reach them.

Lack of direction, not lack of time, is the problem. We all have twenty-four hour days.

Zig Ziglar

Insurance Planning

Safeguarding you and your family against unwelcome events or illness is too often overlooked. All the goal-setting in the world can be undone in moments, but insuring against the unforeseen can make the effects more bearable, or get you back on track quickly. Upstream can check the adequacy of your existing cover and, if needed, suggest appropriate insurance options.

It’s cheaper to buy 10 years too early, than 1 minute too late.

John Carroll, Insurance Splash

Investment Planning

As an advocate of evidence-based investment philosophy, Upstream will create for you a portfolio designed to capture all the available returns of the global markets, while respecting the amount of risk you are comfortable accepting. To achieve this, we spread your investment across UCITS-compliant, globally diversified equities and bond ETFs.

Someone is sitting in the shade today because someone planted a tree a long time ago.

Warren Buffett

Education Planning

Public or private – education is getting more expensive, and yet it is the single most important factor in the preservation of future family wealth. We help you plan for the significant costs of school and university fees, so that your children or grandchildren get the best education possible, and are free to pursue their ambitions without financial roadblocks.

If a man empties his purse into his head, no man can take it away from him. An investment in knowledge always pays the best interest.

Benjamin Franklin

Retirement Planning

Sounds lovely and it should be true. But goals and dreams are difficult to achieve if you’re only focused on the present. No matter how great your current income, building the funds now for the type of retirement you really want is essential. We help you cut out the noise and create for you a clearly defined road map so you can make the most out of having all the time in the world.

You are never too old to set another goal or to dream a new dream.

C S Lewis

Wealth Preservation Planning

At UWM, we keep your portfolio broadly diversified so you won’t be emotionally driven to make financial decisions in difficult times that could seriously damage your wealth. We also help with legacy planning, ensuring a smooth transition of your assets and “money values” to future generations.

Without liquid and safe reserves, you won’t have the wherewithal to weather setbacks and keep your courage up when it’s needed most.

William Bernstein