Primary Location

341 Lincoln Street, Roseville, CA 95678

What to expect in the first meeting

Click the Book Intro Call button above and complete the brief form to see if you're a fit. The first conversation is short, no obligation, and oriented entirely toward fit. We will ask about your situation, your goals, and what you are looking for in an advisor. You can ask us anything about how we work, what we charge, and whether we are the right firm for you.

We are not the right firm for everyone. If your situation calls for something we do not offer, we will tell you. If we are not the best fit, we will tell you that too, and where possible, point you toward someone who might be. This is meant to be a useful conversation, not a sales pitch.

Offers Investment Management

Yes

About Up Capital Management

Up Capital Management is a fee-only fiduciary firm, independent and family-owned, handling the full financial life of a family under one roof.

If you have worked with a financial advisor before, you have probably felt some version of this. The advisor who seemed more interested in selling you a product than solving a problem. The firm whose best service quietly went to its biggest clients. The portfolio that never seemed to respond to what was actually happening in the markets, because it could not. The team of professionals, advisor, accountant, estate attorney, who never seemed to talk to each other, leaving you to coordinate your own financial life.

Up Capital Management was built as the answer to all of it, a fee-only fiduciary firm, independent and family-owned, handling the full financial life of a family under one roof, with the flexibility to act on what the markets are actually doing.

Anton Bayer founded UCM in 2012 after spending the prior two decades inside the industry, watching every one of those patterns play out. Today the firm manages over $200 million for around 150 families.

Built to Outlast

The firm you hire today is the firm that will still be here when it matters.

There is a question every family should ask their advisor. What happens to my plan when the person managing it retires?

At most boutique firms, the answer is uncomfortable. The advisor was the firm, and when they leave, the relationship leaves with them, sold to a private equity rollup or rolled into a successor practice the client did not choose.

UCM was built differently. Nyle Bayer became CEO in 2026, bringing the next thirty years of leadership. Anton continues as Chairman and Chief Investment Officer. The firm remains owned by the family that built it, and will be for the next generation.

Three Things We Believe About Wealth:

1️⃣ Money is a tool, not the point.

You did not build what you have so that a spreadsheet could be optimized around it. You built it to underwrite a life, your family, the things you want to do, the people you want to take care of. Good planning starts with what you are actually trying to build, not with the portfolio.

2️⃣ Coordination beats any single recommendation.

Financial planning, investments, tax, and estate decisions all influence each other. When they sit at four different firms, the handoffs are where things fall apart, and the cost shows up in your returns, your tax bill, or your estate. Under our roof, every decision in one discipline is informed by the others.

3️⃣ Depth requires that we know you.

We do not have service tiers, call centers, or junior advisors handling the relationship after the sale. You work directly with the people making the decisions about your plan, including the CEO and the CIO. That is not a perk, it is the only way the work gets done well.

Who We Work With

We work best with households who have built real assets and are ready for a coordinated plan for what comes next. Typically:

✔️ Pre-retirees three to ten years from leaving full-time work

✔️ Recent retirees navigating the transition from accumulation to income

✔️ Families with $1 million or more in investable assets, and complexity that goes beyond a simple portfolio

We do our best work in situations where generic advice costs real money. Concentrated stock positions, ISO exercises, business sales, inherited wealth, charitable structures, and the layered tax decisions that come with significant assets. These are the situations where coordinated planning across disciplines is worth more than any single recommendation.

Rooted in Roseville

UCM was founded in Roseville, California in 2012, and we still call it home. A meaningful share of our clients live in the communities we live in. We see them at events, at restaurants, on the sidelines of kids’ games.

We also serve as advisor to a select group of 401(k) plans for businesses in our community. That kind of accountability is something national platforms cannot offer.

We are fee-only and fiduciary. We are paid only by our clients, never by product companies, and we are legally bound to act in your interest.

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