Zachary Miller
Upstream Financial Advisors · Waconia, Minnesota
Zachary Miller is a fee-only financial advisor at Upstream Financial Advisors in Waconia, Minnesota, who holds the CFP credential. Upstream Financial Advisors reports charging a percentage of assets and fixed fees on its Form ADV.
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Facts
| Firm | Upstream Financial Advisors |
|---|---|
| Based in | Waconia, Minnesota |
| Fee model (firm's Form ADV) | Percentage of assets · Fixed fees |
| Assets under management | $25.8M across 97 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in MN, TX · CRD 7442404 |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | www.upstreamfa.com |
How Zachary's firm compares
- Upstream Financial Advisors's average account is about $266,000, from its Form ADV (assets managed divided by 97 accounts).
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Questions about Zachary
Is Zachary Miller a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Zachary 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 Zachary charge for financial advice?
Zachary's firm, Upstream Financial Advisors, reports charging a percentage of assets and fixed fees on its SEC Form ADV.
Where is Zachary Miller based?
Zachary Miller is based in Waconia, Minnesota.
What credentials does Zachary Miller hold?
Zachary Miller holds the CFP credential.
Is Zachary Miller registered with the SEC?
Yes. Zachary Miller is registered as an investment adviser representative in MN and TX (CRD 7442404), 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 Zachary Miller?
Through Zachary's website, www.upstreamfa.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Minnesota
Where this information comes from
- SEC adviser records : 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 : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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