# Yoo Chung Chang

> Yoo Chung Chang is a fee-only financial advisor at Upstart Wealth Management in Chicago, Illinois. Yoo Chung charges a percentage of assets and an ongoing planning fee (ongoing planning from $7,600 a year and 0.45%–0.8% a year of assets managed) and focuses on equity compensation, founders (pre-exit) and tax planning.

Page: https://find.wellspent.co/advisors/yoo-chung-chang/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Upstart Wealth Management
- **Based in:** Chicago, Illinois
- **Fee model:** Percentage of assets; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $7,600 a year; 0.45%–0.8% a year of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $385.9M across 207 accounts
- **Specialties:** Equity compensation, Founders (pre-exit), Tax planning
- **Works with:** Founders, Tech employees
- **CRD:** 8047646 (https://adviserinfo.sec.gov/individual/summary/8047646)
- **SEC registration:** Investment adviser representative in IL
- **Exams passed:** Series 63 (2024), Series 65 (2023)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** http://www.upstartwealth.com

## Frequently asked questions

### Is Yoo Chung Chang a fee-only financial advisor?

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

### How does Yoo Chung charge for financial advice?

Yoo Chung charges a percentage of assets and an ongoing planning fee.

### How much does Yoo Chung charge?

According to Upstart Wealth Management's website, checked October 30, 2026: ongoing planning from $7,600 a year; 0.45%–0.8% a year of assets managed.

### Where is Yoo Chung Chang based?

Yoo Chung Chang is based in Chicago, Illinois.

### What does Yoo Chung specialize in?

Yoo Chung's specialties include equity compensation, founders (pre-exit) and tax planning. Yoo Chung works with founders and tech employees.

### Is Yoo Chung Chang registered with the SEC?

Yes. Yoo Chung Chang is registered as an investment adviser representative in IL (CRD 8047646), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Upstart Wealth Management manage?

Upstart Wealth Management reports $385.9M across 207 accounts in assets under management.

### How do I contact Yoo Chung Chang?

Through Yoo Chung's website, www.upstartwealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8047646): 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
- The firm's website (https://www.upstartwealth.com/): specialties, clients served, and fees, checked October 30, 2026

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