# Frances Harkins

> Frances Harkins is a fee-only financial advisor at Wheels UP Wealth in Vallejo, California, who holds the CFP credential. Wheels UP Wealth reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Wheels UP Wealth
- **Based in:** Vallejo, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $130.0M across 458 accounts
- **Credentials:** CFP
- **CRD:** 4244859 (https://adviserinfo.sec.gov/individual/summary/4244859)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 66 (2000)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://www.wheelsupwealthinc.com

## Frequently asked questions

### Is Frances Harkins a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Frances holds no broker registration, and Wheels UP Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Frances charge for financial advice?

Frances's firm, Wheels UP Wealth, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Frances Harkins based?

Frances Harkins is based in Vallejo, California.

### What credentials does Frances Harkins hold?

Frances Harkins holds the CFP credential.

### Is Frances Harkins registered with the SEC?

Yes. Frances Harkins is registered as an investment adviser representative in CA (CRD 4244859), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Wheels UP Wealth manage?

Wheels UP Wealth reports $130.0M across 458 accounts in assets under management.

### How do I contact Frances Harkins?

Through Frances's website, www.wheelsupwealthinc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4244859): 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.