Upper Left Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting. Financial planning was provided to 51–100 clients last fiscal year.
Upper Left Wealth Management reports 95 clients. They include 52 high-net-worth individuals, 36 individual clients, and 6 pension and profit-sharing plans. Of its assets, 86.0% ($173M across 363 accounts) are managed with discretion; $28.1M across 7 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 38% | 7% |
| High-net-worth individuals | 55% | 71% |
| Pension and profit-sharing plans | 6% | 15% |
| Charitable organizations | 1% | 8% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 36 | $14.1M | 7.0% | $391K |
| High-net-worth individuals | 52 | $142M | 70.5% | $2.73M |
| Pension and profit-sharing plans | 6 | $29.4M | 14.6% | $4.9M |
| Charitable organizations | Fewer than 5 | $15.8M | 7.9% | $15.8M |
| Total | 95 | $201M | 100% | — |
- Clients
- 36
- Regulatory AUM
- $14.1M
- AUM share
- 7.0%
- Avg. per client
- $391K
- Clients
- 52
- Regulatory AUM
- $142M
- AUM share
- 70.5%
- Avg. per client
- $2.73M
- Clients
- 6
- Regulatory AUM
- $29.4M
- AUM share
- 14.6%
- Avg. per client
- $4.9M
- Clients
- Fewer than 5
- Regulatory AUM
- $15.8M
- AUM share
- 7.9%
- Avg. per client
- $15.8M
Total
- Clients
- 95
- Regulatory AUM
- $201M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Upper Left Wealth Management charges 0.35%–0.95% a year for its Methods of Compensation and Fee Schedule. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 0.95% |
| $1M–$5M | 0.75% |
| $5M and above | 0.35% |
Fee details and sources
Other fees
- 401(k) and Retirement Plan Services
- Retirement plan consulting fees are generally 0.50% of plan assets, charged quarterly in arrears.
Randy Kurtz owns 75% or more of Upper Left Wealth Management. The leadership team of Upper Left Wealth Management includes Chief Compliance Officer Randy Kurtz. It has 2 employees.
Leadership
Randy KurtzManaging Member and Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Upper Left Wealth Management, LLC
Randy Kurtz
Control person · since May 2017
Upper Left Wealth Management’s regulatory assets grew 1.7× from $121M (July 2022) to $201M (July 2026); clients rose from 81 to 95 and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| July 2026 | $201M | 95 | 2 | 2 |
| February 2025 | $165M | 90 | 2 | 2 |
| February 2024 | $144M | 94 | 2 | 2 |
| August 2023 | $102M | 91 | 2 | 2 |
| July 2022 | $121M | 81 | 2 | 1 |
Besides its headquarters, Upper Left Wealth Management has 1 office (1 private residence, listed without an address), with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Upper Left Wealth Management, LLC
- Headquarters
- Not reported
- Website
- upperleftwealth.com
- Phone
- 917-768-3390
- SEC file
- 801-123531
- Structure
- Delaware LLC
- Fiscal year end
- December
Upper Left Wealth Management uses Charles Schwab ($173M, 86%) and Vanguard Group ($28.1M, 14%) as custodians for its separately managed accounts. Upper Left Wealth Management does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $173M86%
- Vanguard GroupVanguard Group · Malvern, PA · $28.1M14%
At year end, Upper Left Wealth Management’s separately managed accounts were mostly in funds (98%). Its reported 13F holdings for the quarter ended 30 June 2026 total $180M across 73 positions; the largest are iShares Gold TR (6.9%), SPDR Series Trust (5.9%) and Abrdn ETFS (4.4%).
What the accounts hold
- Stocks1%
- Funds98%
- Cash1%
Reported 13F holdings
- $180M
- Reported 13F value
- 73
- Positions
- 42.3%
- In the 10 largest
- +6.6%
- Value vs. prior quarter
- iShares Gold TR · iShares New6.9%
- SPDR Series Trust · ST Str P500etf5.9%
- Abrdn ETFS · Bbrg All Comd K14.4%
- Vanguard Charlotte Fds · Total Int BD ETF4.3%
- Schwab Strategic TR · US REIT ETF3.8%
- SPDR Series Trust · ST Intl Bbg ETF3.7%
- Litman Gregory Fds TR · Imgp Dbi Man ETF3.6%
- Schwab Strategic TR · Intl Eqty ETF3.5%
- Schwab Strategic TR · US Sml Cap ETF3.2%
- iShares Bitcoin Trust ETF · Shs Ben Int3.0%
Together, the ten largest are 42.3% of reported value.
How many clients does Upper Left Wealth Management have?
Upper Left Wealth Management has 95 clients and manages $201 million for them, as of July 2026. They include 52 high-net-worth individuals, 36 individual clients, and 6 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 7 July 2026
What services does Upper Left Wealth Management offer?
Upper Left Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Upper Left Wealth Management charge?
Upper Left Wealth Management charges 0.35%–0.95% a year for its Methods of Compensation and Fee Schedule. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000.
Source: UPPER LEFT WEALTH MANAGEMENT ADV PART 2A, filed 14 January 2026
Which custodians does Upper Left Wealth Management use?
Upper Left Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $173M and Vanguard Group (Malvern, PA), with $28.1M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 7 July 2026
How many financial advisors does Upper Left Wealth Management have?
Upper Left Wealth Management has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Upper Left Wealth Management invest in?
At the end of its last fiscal year, Upper Left Wealth Management’s separately managed accounts held 98% registered funds (mutual funds, ETFs, BDCs), 1% exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Upper Left Wealth Management have a minimum investment?
Yes, Upper Left Wealth Management’s minimum account size for its Methods of Compensation and Fee Schedule is $1M.
Source: UPPER LEFT WEALTH MANAGEMENT ADV PART 2A, filed 14 January 2026
Who owns Upper Left Wealth Management?
Upper Left Wealth Management’s direct owner is Randy Kurtz (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 7 July 2026
How does Upper Left Wealth Management get paid?
Upper Left Wealth Management is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Upper Left Wealth Management?
Its phone number is 917-768-3390. Its website is upperleftwealth.com.