# Derek Ketcho

> Derek Ketcho is a fee-only financial advisor at Upstream Financial Advisors in Victoria, Minnesota, who holds the CFP credential. Upstream Financial Advisors reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/derek-ketcho/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Upstream Financial Advisors
- **Based in:** Victoria, Minnesota
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $25.8M across 97 accounts
- **Credentials:** CFP
- **CRD:** 7422013 (https://adviserinfo.sec.gov/individual/summary/7422013)
- **SEC registration:** Investment adviser representative in MN, TX
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://www.upstreamfa.com

## Frequently asked questions

### Is Derek Ketcho a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Derek holds no broker registration, and Upstream Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Derek charge for financial advice?

Derek's firm, Upstream Financial Advisors, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Derek Ketcho based?

Derek Ketcho is based in Victoria, Minnesota.

### What credentials does Derek Ketcho hold?

Derek Ketcho holds the CFP credential.

### Is Derek Ketcho registered with the SEC?

Yes. Derek Ketcho is registered as an investment adviser representative in MN and TX (CRD 7422013), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Upstream Financial Advisors manage?

Upstream Financial Advisors reports $25.8M across 97 accounts in assets under management.

### How do I contact Derek Ketcho?

Through Derek's website, www.upstreamfa.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7422013): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.