Upstate Professional Planning Services

What Upstate Professional Planning Services does

Upstate Professional Planning Services is a small, privately-held financial advisory practice headquartered in Pittsford, New York, serving the Rochester metropolitan area for more than three decades. The firm provides personalized financial planning services across retirement strategies, estate conservation, investment management, insurance analysis, tax planning, and money management for individuals and families. It operates as an independent practice affiliated with LPL Financial, a registered investment advisor and broker-dealer (FINRA/SIPC member), which provides the regulatory infrastructure, technology platform, client portal (AccountView), research resources, and multi-state registration.

The firm's core offering is a comprehensive financial planning service delivered through direct client consultations, supported by an extensive Resource Center featuring articles, educational videos, interactive financial calculators, tax resources, and weekly market commentary sourced from LPL Research. The firm generates revenue through financial advisory fees in two structures: transaction-based fees (commissions, sales loads, surrender charges) and ongoing asset-based fees for professional investment management services, consistent with standard registered investment advisor compensation models. No proprietary technology platforms are developed; the firm relies entirely on LPL Financial's infrastructure.

The business model is relationship-driven and sales-led, with a geographic focus on the Rochester community. The firm is registered to serve clients in 23 states through LPL's regulatory framework, but there is no evidence of active client acquisition beyond the local region. The firm has 1-10 employees and no publicly disclosed revenue, funding, or M&A activity. Its competitive position rests on long-standing local brand trust, experienced professionals, and relationship-based client retention rather than technology differentiation or scale advantages.

Name

Upstate Professional Planning Services

Legal name

Upstate Professional Planning Services

Website

https://upstateprofessionalplanning.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Upstate Professional Planning Services is a small, privately-held financial advisory firm in Pittsford, NY, providing retirement, estate, investment, insurance, and tax planning services to individuals and families in the Rochester community through LPL Financial affiliation.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (52421)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Financial planning services
• Retirement planning
• Investment advisory
• Estate planning
• Wealth management

Headquarters

HQ city

Pittsford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Fees: The firm provides financial advisory services through its affiliation with LPL Financial. Compensation structures include transaction fees (commissions on securities, sales loads, surrender charges) and ongoing fees (asset-based fees for professional investment services, annual operating expenses). The firm discloses both transaction-based and ongoing asset-based fee structures consistent with registered investment advisor practices.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Upstate Professional Planning Services is an independent financial advisory practice that delivers personalized financial planning to individuals and families, covering retirement strategies, estate conservation, investment management, insurance analysis, tax planning, and money management. Services are delivered through direct consultations at its Pittsford, NY office and supported by LPL Financial's broker-dealer platform, research, and account access tools.

Product overview

Upstate Professional Planning Services is a financial advisory firm offering a unified suite of planning services. The core offering consists of personalized financial planning spanning retirement, estate, investment, insurance, and tax strategies. These services are delivered alongside a comprehensive Resource Center featuring educational articles, videos, and interactive financial calculators. The firm also provides tax planning tools including IRS forms, publications, and rate tables. All services are facilitated through LPL Financial, a registered broker-dealer and investment advisor, which provides market research, retirement planning tools, and account management infrastructure. The firm serves clients primarily in New York State with offices in Pittsford, NY.

Differentiator

Problem solved

Functional benefit

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• LPL FinancialcoreTechnology or IntegrationSecurities and Advisory services offered through LPL Financial, a registered investment advisor and member of FINRA/SIPC. LPL Financial provides the technology platform, brokerage services, research resources (LPL Research, Weekly Market Commentary), retirement plan tools, and regulatory infrastructure for the firm's advisory operations. The firm operates as an associated person of LPL Financial.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Ameriprise Financial: A large diversified financial services company with a vast affiliated advisor channel offering retirement, investment, insurance, and estate planning. Competes with Upstate for the same Rochester/NY mass-affluent segment but at materially greater scale and brand recognition.
• Focus Financial Partners: A partnership of independent RIAs and wealth management firms, providing M&A and operational support. While not a direct competitor for clients, Focus targets the same independent advisor ecosystem as Upstate for acquisition and roll-up activity.
• Cambridge Investment Research: A large independent broker-dealer supporting affiliated advisors with retirement, investment, and insurance planning. Operates a similar model to LPL Financial (Upstate's home platform) and competes for advisor recruitment.
• Edward Jones: A major broker-dealer with thousands of branch offices delivering investment, retirement, and estate planning to mass-affluent clients. Comparable target customer and service mix to Upstate, but with national footprint and proprietary infrastructure.
• Raymond James Financial: A diversified financial services holding company with a large affiliated advisor channel offering comprehensive wealth planning. Comparable to Upstate in service breadth and customer base, but operates at institutional scale with proprietary research and technology.
• Cetera Financial Group: A broker-dealer and RIA platform supporting thousands of independent financial advisors with comprehensive planning services. Comparable to Upstate's LPL-affiliated model as an independent-advisor platform, though Cetera is a direct competitor for advisor affiliations.

Direct peers

• Steward Partners Global Advisory: An independent wealth management firm partnering with Raymond James, serving high-net-worth and mass-affluent clients with comprehensive planning across investments, retirement, and estate. Comparable to Upstate as a similarly structured advisor-on-platform model, though materially larger and multi-office.
• Wealth Enhancement Group: An independent RIA aggregator offering comprehensive financial planning, investment management, and tax services to individuals. Closely comparable business model to Upstate as a partner-advisor practice delivering holistic planning at scale.
• Hightower Advisors: An independent RIA supporting breakaway advisors from wirehouses and broker-dealers with comprehensive wealth planning. Directly comparable in offering retirement, estate, and tax planning to individuals and families through a partner-advisor model.
• Creative Planning: Large independent RIA providing comprehensive wealth management, retirement, estate, and tax planning to individuals nationwide. Comparable to Upstate in service scope and customer segment, though at vastly greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Upstate Professional Planning Services