Financial advisor in Lincoln, California.

Up Capital Management is an independent, fee-only fiduciary wealth management firm serving Lincoln and the surrounding Placer County. We coordinate financial planning, investment management, tax planning, and estate planning under one roof, so nothing falls through the cracks between your advisor, your accountant, and your attorney.

Lincoln has become one of Placer County’s fastest-growing communities, and it’s home to Sun City Lincoln Hills, one of the region’s largest active-adult retirement communities. We do meaningful work with retirees here — turning a lifetime of savings into durable income, managing required distributions, and keeping Medicare surcharges in check.

Who we work with in Lincoln

For those who have earned what comes next.

Lincoln retirees turning savings into income, managing RMDs, and planning around Medicare surcharges.

Typically pre-retirees and retirees with $1M or more in investable assets and the kind of complexity that goes beyond a simple portfolio.

What we do

Four disciplines, one team, one plan.

Financial Planning

A working model of where your money is today and where it can take you.

Investment Management

Actively managed portfolios designed around your plan and structured for tax efficiency.

Tax Planning

Built into your strategy year-round — the decisions that compound over a lifetime.

Estate Planning

Documents prepared and reviewed by qualified attorneys, coordinated with your plan.

Explore our services

How we work with Lincoln clients

Because we’re headquartered nearby in Roseville, Lincoln clients often meet with us in person — and we’re available by video and phone whenever that’s easier. That kind of local accountability is something national platforms cannot offer.