Uplevel Wealth

Item 1: Cover Page Form ADV Part 2A – Firm Brochure 500 SW 116th Ave Suite 118 Portland, Oregon 97225 (503) 308-9067 www.uplevelwealth.com August 31, 2026 This Form ADV Part 2A (“Brochure”) provides information about the qualifications and business practices of Uplevel Wealth LLC (“Uplevel Wealth,” “firm,” “we,” “our,” and “us”). If you have any questions about the contents of this Brochure, please contact us at (503) 308-9067 or anika@uplevelwealth.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Uplevel Wealth is registered as an Investment Adviser with the United States Securities and Exchange Commission. Registration of an investment advisor does not imply any level of skill or training. Additional information about Uplevel Wealth is available on the SEC’s website at www.adviserinfo.sec.gov, which can be found using the firm’s unique CRD number (312641). 1  Item 2: Material Changes Since the last annual update of this Brochure, filed on March 30, 2026, the following material changes have been made: ● Uplevel Wealth, LLC is registered with the Securities and Exchange Commission. ● The firm updated its fee schedule in Item 5. We will update this brochure and summarize in this Item 2 the occurrence of any material changes with respect to our advisory business in accordance with applicable law. All current clients will receive a Summary of Material Changes to this and subsequent brochures within 120 days of the close of our fiscal year and certain additional other-than-annual updates regarding changes with respect to our firm and our business practices promptly following their occurrence. Updated information concerning these changes will be provided to you free of charge. A Summary of Material Changes is also included within our brochure found on the SEC’s website at www.adviserinfo.sec.gov. You can obtain additional information about our firm by searching for us on the foregoing website by our firm name or by our unique CRD number (312641). A copy of this brochure will be provided to you free of charge by contacting us at the telephone number reflected on the cover page. 2  Item 3: Table of Contents Contents Item 1: Cover Page Item 2: Material Changes Item 3: Table of Contents Item 4: Advisory Business Item 5: Fees and Compensation Item 6: Performance-Based Fees and Side-By-Side Management Item 7: Types of Clients Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Item 9: Disciplinary Information Item 10: Other Financial Industry Activities and Affiliations Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Item 12: Brokerage Practices Item 13: Review of Accounts Item 14: Client Referrals and Other Compensation Item 15: Custody Item 16: Investment Discretion Item 17: Voting Client Securities Item 18: Financial Information 1 2 3 4 8 10 10 10 12 12 13 14 17 17 17 18 18 18 3  Item 4: Advisory Business Description of Advisory Firm Uplevel Wealth, LLC became registered as an investment advisor with the State of Oregon in 2021 and registered with the Securities and Exchange Commission in August 2026. Anika Hedstrom and Amanda Harvey are the principal owners of Uplevel Wealth. We provide tailored investment advice and embrace our role as a fiduciary to our clients. Our objective is to provide you with customized financial planning services and objective wealth management advice designed to meet your financial goals. We achieve this by obtaining a deep understanding of your unique financial circumstances and concerns, your tolerance for investment risk, and the time horizon for your investments. The information contained in this brochure describes our investment advisory services, practices, and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to the needs of our clients. As used throughout this brochure, the words “Uplevel Wealth,” “we,” “our,” “firm,” and “us” refer to Uplevel Wealth, LLC and its associated financial professionals, and the words “you,” “your,” and “client” refer to you as either a client or prospective client of our firm. Prior to forming an investment advisor-client relationship, we may offer you a complimentary general consultation to discuss the nature of our services and to determine how we can best assist you in achieving your financial goals and objectives. Investment advisory services begin only upon your execution of a written investment advisory agreement with Uplevel Wealth. Uplevel Wealth is a fee-only adviser, which means that it does not sell any investment products, represent any product or company, and does not receive any product commissions. We work strictly for our clients and are paid by our clients. Types of Advisory Services We Offer Ongoing Investment Management & Comprehensive Financial Planning Services We primarily offer clients services that combine ongoing and continuous portfolio management with comprehensive financial planning services that are designed to assist our clients in the management of their overall financial affairs. We will consult with you at the inception of our relationship and periodically thereafter, as necessary, to gather information regarding your unique financial circumstances, investment objectives and limitations, tolerance for investment risk, time horizon for investments, tax situation, current and expected income level and cash flow needs, and other considerations. We will also review and discuss your prior investment history, as well as family composition and background. Based on our analysis of these factors, we will then develop a personal investment plan/policy statement for you, including a target asset allocation. We will manage your portfolio in a manner that aligns with your unique investment objectives and needs, investment plan/policy statement, and asset allocation target. Ongoing account supervision is guided by your stated investment objectives (e.g., maximum capital appreciation, growth, income, or growth and income) as well as tax considerations. When engaging us for these services, you will be required to deposit your assets to an account (or accounts) held in your name at an independent qualified custodian and execute a limited power of attorney granting our firm discretionary trading authority over the account(s) you wish to have us manage. This means that we will be authorized to implement transactions within your account(s) without obtaining your prior approval for each specific transaction. We will only exercise this discretionary authority in accordance with our understanding of your unique financial objectives, needs, and limitations. Client portfolios are typically constructed utilizing a diversified combination of mutual funds, exchange traded funds (“ETFs”), bond funds, stocks, and other listed securities, however, we may advise you on other types of securities and investments at your request or which are we have otherwise determined to be suitable and in your best interests. 4  Clients also receive, at no additional fee, ongoing comprehensive financial planning as part of our inclusive approach to wealth management. As part of this component of our services, we will prepare and deliver to you certain financial reports detailing your assets and a series of action items and advice intended to assist you in the management of your overall financial affairs. We will meet with you periodically, but no less than annually, to track progress towards the financial goals set forth in our financial reports and to review and update such reports as necessary throughout the duration of our relationship. A description of our financial planning services, including the financial planning topics covered, can be found below in this Item 4. Through a combination of in-person consultations, video conferences, phone calls, and/or electronic communications (e.g., e-mail), we will further provide you with ongoing support and guidance with respect to routine financial matters and questions concerning topics such as budgeting and cash flow concerns, retirement and education planning, credit and debt management issues, and insurance coverage. At your request, we may also provide recommendations for the allocation of your assets contained outside of the account(s) designated for our direct management (e.g., employer sponsored retirement accounts, qualified tuition plans, etc.). For these “held-away” accounts, we are limited to advising you as to the allocation of your holdings among the various investment options made available by the product sponsor, issuer, or custodian. You will make all final investment decisions with respect to our financial planning and consulting advice as it may relate to your held-away investments and will be responsible for implementation and ongoing monitoring of all such held-away investments. When appropriate, we utilize the services of sub-advisors to assist with the management of Client accounts. Uplevel Wealth uses Dimensional Fund Advisors LP (DFA) (CRD#106482). When used, DFA is responsible for investment and tax management of the assets in the accounts which are designated by Uplevel Wealth. DFA works directly with Uplevel Wealth and not with the Client. Our review process and analysis of Outside Managers is further discussed in Item 8 of this Brochure. Financial Planning and Consulting Services For clients with investable assets of less than approximately $1,500,000 or who otherwise have reduced ongoing investment management needs, we offer financial planning and consulting services as a stand-alone service for an annually recurring fixed fee. These services are primarily designed for high income earning clients with complex financial planning needs requiring Uplevel Wealth’s ongoing guidance and support to reach their overall financial goals and objectives. This service involves working one-on-one with a financial planner over a one (1) year term that will automatically renew for additional one (1) year terms until terminated by the client or the firm. In most instances, clients will receive discretionary investment management advice and monitoring regarding specifically designated accounts selected by the client. Except with respect to assets held in accounts specifically designated for our management, the client will make all other final investment decisions and be responsible for the implementation and monitoring of their investments. Each engagement for these services is unique and the specific financial planning topics that may be covered will vary based on the client’s specific needs and stated investment concerns, goals, and objectives. A description of the financial planning topics we most commonly assist our clients with is disclosed below in this Item 4. We will assist you in the development and implementation of your customized financial plan. The financial planner will monitor your plan, recommend any changes as necessary, and ensure the plan is kept up to date based on any changes in your financial circumstances, goals, and needs. We will take you through a process to establish your investment goals and values around money. You will be required to provide information necessary to assist us in developing an understanding of the composition of your net worth and assets, your cash flow needs, the status of your employment benefits (if any), your retirement planning needs/assets, current investment portfolio, college planning, and estate planning needs. Once your information is reviewed and analyzed by the assigned financial planner, we will prepare and deliver a financial plan to you containing your financial planner’s findings and recommendations, including a plan of action to address needed changes to your current financial situation and investments. You will receive an electronically delivered report containing a customized financial plan that is designed to achieve your stated financial goals and objectives. To the extent available, we will also provide you with access to certain online financial planning tools to better assist you in your financial journey. The plan and your 5  financial situation and goals will be monitored throughout the duration of the relationship and follow-up in-person, via video conferencing, and e-mail consultations will be conducted to confirm that any agreed upon action steps contained in the plan have been carried out and to address any financial concerns or questions you may have. On an annual basis, your financial planner will perform a full review of the financial plan we have provided to ensure its continued accuracy and ongoing appropriateness. Any needed updates will be implemented at that time. Project-Based Financial Planning Services We also offer project-based (limited scope) financial planning services on topics such as retirement planning, risk management, college savings, cash flow, debt management, work benefits, and estate and incapacity planning, as may be requested by the client. A description of the financial planning topics we commonly advise our clients on is as follows: Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their current business. Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving your goals. Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts. College Savings: Includes projecting the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate). Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals. Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts, and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request. Goal Setting: We will help clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal. Investment Analysis/Specific Investment Advice: This service involves developing an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, 6  reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian and providing you with advice regarding specific securities. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure. Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, level of investment risk). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years. Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long‐term care planning. Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with the consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. We recommend that you consult with a qualified independent tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval. Miscellaneous To the extent requested by a client, we may recommend the services of other professionals for certain non-investment implementation purposes. Clients are under no obligation to engage the services of any such recommended professional. Clients always retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendation from Uplevel Wealth and/or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Client Tailored Services and Client Imposed Restrictions Client financial plans and investment portfolios are custom tailored for each client based upon the client’s unique investment policy statement/plan, investment goals, objectives, needs, and limitations. Clients are able to specify, within reason, any limitations they would like to place on our discretionary authority as it pertains to individual securities and/or sectors that will be traded in their account, by notating these items on the investment plan/policy statement. Retirement Account Advice When Uplevel Wealth provides investment advice to clients regarding the client’s retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with client’s interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. 7  Under this special rule’s provisions, we must: follow policies and procedures designed to ensure that we give advice that is in your best interest; ● meet a professional standard of care when making investment recommendations (give prudent advice); ● never put our financial interests ahead of yours when making recommendations (give loyal advice); ● avoid misleading statements about conflicts of interest, fees, and investments; ● ● charge no more than is reasonable for our services; and ● give you basic information about conflicts of interest. Wrap Fee Programs We do not participate in or recommend any wrap fee programs to clients. Assets Under Management As of July 31, 2026, Uplevel Wealth had $147,404,704 in discretionary assets under management and $0 in non- discretionary assets under management. Item 5: Fees and Compensation Please note, unless a client has received a copy of this Brochure at least 48 hours prior to signing the investment advisory agreement, the investment advisory agreement may be terminated by the client within five (5) business days of signing the agreement without incurring any advisory fees and without penalty. The advisory fees we charge for our services are described below in this Item 5. Lower fees for comparable services may be available from other sources. Ongoing Investment Management and Comprehensive Financial Planning Services When you engage us for ongoing investment management and comprehensive financial planning services, you will pay us an annual asset-based fee that is calculated as a percentage of the value of the accounts you place under our management in accordance with the below fee schedule. No additional fee is assessed for included financial planning services. Fees are negotiable. ACCOUNT VALUE ANNUAL ADVISORY FEE1 On the first $1,000,000 1.15% On the next $2,000,000 0.90% On the next $2,000,000 0.70% On the next $5,000,000 0.60% 0.50% On account value of $10,000,000+ Our annual advisory fee shall be calculated on a blended basis based upon the daily average value of the client’s accounts during the subject quarter, resulting in a combined weighted fee. Our daily average value billing calculation creates a daily fee by applying the appropriate daily rate multiplied by a daily value of billable assets in your account for each day during the billing period. The daily rate is calculated by dividing the applicable annual advisory fee rate(s) by the actual number of days in the billing period. Finally, the daily fees for each day in the billing period are added to arrive at the 1 Some clients may be on a legacy fee schedule. Please see your signed contract for your exact fees. 8  total advisory fee due for the period. Clients may request a detailed billing statement at any time. The foregoing fee covers the costs of our combined portfolio management and ongoing financial planning services to the client. The advisor may aggregate accounts by household, if applicable, in determining the fee. Uplevel considers households to include accounts of spouses/domestic partners and their children. The accounts that are householded for billing purposes are listed on Clients’ Quarterly Reports. In computing the market value of any investment contained in the Account, each security listed on any national securities exchange shall be valued at the last quoted sale price on the valuation date on the principal exchange on which such security is traded. Any other security or asset shall be valued in a manner determined consistent with its fiduciary duty by the Advisor to reflect its fair market value. You will pay our advisory fee for services in arrears on a quarterly basis by means of direct fee deduction from your designated investment accounts held at the qualified custodian of your assets. You will be required to provide us with your written consent for direct deduction of our fees in the written investment advisory agreement you will enter with our firm at the inception of our relationship. Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the number of days the account was managed during the billing period. An account may be terminated with written notice at any time. Since fees are paid in arrears, no refund will be needed upon termination of the account. When a sub-advisor is used, the above fee schedule does not include the sub-advisor’s fee. The sub-advisor’s fees, billing schedule, and payment procedures are set forth in their separate written disclosure documents. At no point will the combined fee charged to the Client exceed 2% of assets under management. When a sub-advisor is used, the sub- advisor will debit the Client’s account for the fee. Similar services may be available for lower fees at other licensed investment advisers. ● Dimensional Fund Advisors LP (DFA): Annual fees to be paid directly to Sub-adviser for each account and will be 0.29% of the average daily value of the account assets under management by Sub-adviser, paid quarterly, in arrears. Financial Planning and Consulting Services When you engage us for financial planning and consulting services, you will pay us an annual recurring fixed fee typically ranging from $7,500 - $12,500 per year. The specific annual fixed fee we will charge you for these services is negotiable, will be stated in a written advisory agreement, and will vary based upon some, or all, of the following factors unique to the client: your investable net worth (e.g., cash and securities held in investment accounts, cash in banks, assets held in retirement accounts); overall complexity of your assets, financial planning and investment management needs; your cash flow, marital status, and sources of income. The annual fixed fee will recur each year during the engagement at the same rate unless we otherwise agree with you in writing. The recurring annual fixed fee is payable to us quarterly in arrears in equal installments. These services are for an initial one (1) year term that will automatically renew if not canceled earlier by the firm or the client. Uplevel Wealth will not bill an amount above $500 more than 6 months in advance of rendering services. Fees for these services may be paid by check, ACH, debit/credit card, or another payment method approved by Uplevel Wealth. This service may be terminated at any time by the client or Uplevel Wealth on written notice. Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based upon our good faith determination of the value of services rendered through the date of termination, the amount of which shall be binding and conclusive on the client. Since fees are paid in arrears, no refund will be provided upon termination of the account. Any completed deliverables will be provided to you once all fees have been paid. Project-Based Financial Planning Service When you engage us for project-based financial planning, you will pay us a fixed fee typically ranging between $1,200 and $8,000, and payable 50% at inception and 50% upon completion of the agreed upon scope of services. The specific fixed fee to be charged is negotiable, will be stated in a written advisory agreement, and will vary based upon the client’s 9  financial circumstances and the scope of the client’s financial planning needs. Uplevel Wealth will not bill an amount above $500 more than 6 months in advance of rendering services. Services and our investment advisory relationship with the client conclude upon completion of agreed upon scope of services. Fees for these services may be paid by check, ACH, debit/credit card, or another payment method approved by Uplevel Wealth. This service may be terminated at any time by the client or Uplevel Wealth on written notice. Accounts initiated or terminated prior to our completion of the agreed upon scope of services will be charged a prorated fee. In the event of termination prior to project completion, any unearned fees paid in advance will be refunded to the client based upon our good faith determination of the value of the services provided through the date of termination. Likewise, to the extent we determine that the value of the services provided to you through termination exceeds the amount of fees previously collected by us, we will invoice you for final payment. Any completed deliverables will be provided to you once all fees have been paid. Other Types of Fees and Expenses Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer, and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual fund and exchange-traded funds also charge internal management fees, which are disclosed in a fund's prospectus. Such charges, fees, and commissions are exclusive of and in addition to our fees, and we shall not receive any portion of these commissions, fees, and costs. Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for client transactions and determining the reasonableness of their compensation (e.g., commissions). We do not accept compensation for the sale of securities or other investment products including asset-based sales charges or service fees from the sale of mutual funds. Item 6: Performance-Based Fees and Side-By-Side Management We do not offer performance-based fees and do not engage in side-by-side management. Item 7: Types of Clients We provide advisory services primarily, if not exclusively, to individuals and high net-worth individuals. We may accept other types of clients on a case-by-case basis. We typically require a minimum of $1,500,000 in assets under management to engage our wealth management services. This minimum may be waived at the firm’s discretion. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Investment Strategies We Utilize Modern Portfolio Theory (“MPT”) The underlying principles of MPT are: ● Investors are risk averse. The only acceptable risk is that which is adequately compensated by an expected return. Risk and investment return are related and an increase in risk requires an increased expected return. ● Markets are efficient. The same market information is available to all investors at the same time. The market 10  prices every security fairly based upon this equal availability of information. ● The design of the portfolio as a whole is more important than the selection of any particular security. The appropriate allocation of capital among asset classes will have far more influence on long-term portfolio performance than the selection of individual securities. ● Investing for the long-term (preferably longer than ten years) becomes critical to investment success because it allows the long-term characteristics of the asset classes to surface. ● Increasing diversification of the portfolio with lower correlated asset class positions can decrease portfolio risk. Correlation is the statistical term for the extent to which two asset classes move in tandem or opposition to one another. Passive Investment Management We primarily practice passive investment management. Passive investing involves building portfolios that are composed of various distinct asset classes. The asset classes are weighted in a manner to achieve the desired relationship between correlation, risk, and return. Funds that passively capture the returns of the desired asset classes are placed in the portfolio. The funds that are used to build passive portfolios are typically index mutual funds or ETFs. Passive investment management is characterized by low portfolio expenses (i.e., the funds inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading activity), and relative tax efficiency (because the funds inside the portfolio are tax efficient and turnover inside the portfolio is minimal). In contrast, active management involves a single manager or managers who employ some method, strategy or technique to construct a portfolio that is intended to generate returns that are greater than the broader market or a designated benchmark. Sub-Advisors Uplevel may use sub-advisors, when appropriate, for some client accounts. Our analysis of sub-advisors involves the examination of the experience, expertise, investment philosophies, and past performance of the sub-advisors. Material Risks Involved All investing strategies we offer involve risk and may result in a loss of your original investment which you should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities, and any other investment or security. Material risks associated with our investment strategies are listed below. Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a general market decline, reducing the value of the investment regardless of the operational success of the issuer’s operations or its financial condition. Strategy Risk: The firm’s investment strategies and/or investment techniques may not work as intended. Small and Medium Cap Company Risk: Securities of companies with small and medium market capitalizations are often more volatile and less liquid than investments in larger companies. Small and medium cap companies may face a greater risk of business failure, which could increase the volatility of the client’s portfolio. 11  Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the value may fall below par value or the principal investment. The opposite is also generally true: bond prices generally rise when interest rates fall. In general, fixed income securities with longer maturities are more sensitive to these price changes. Most other investments are also sensitive to the level and direction of interest rates. Legal or Legislative Risk: Legislative changes or Court rulings may impact the value of investments, or the securities’ claim on the issuer’s assets and finances. Inflation: Inflation may erode the buying power of your investment portfolio, even if the dollar value of your investments remains the same. Risks Associated with Specific Types of Investments We Recommend Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Exchange Traded Funds: ETF prices may vary significantly from the net asset value due to market conditions. Certain ETFs may not track underlying benchmarks as expected. ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value; (ii) the ETF may employ an investment strategy that utilizes high leverage ratios; or (iii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are de-listed from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. The firm has no control over the risks taken by the underlying funds in which the clients invest. Mutual Funds: When a client invests in open-end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, many of which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). Item 9: Disciplinary Information Criminal or Civil Actions Uplevel Wealth and its management have not been involved in any criminal or civil action. Administrative Enforcement Proceedings Uplevel Wealth and its management have not been involved in administrative enforcement proceedings. Self-Regulatory Organization Enforcement Proceedings Uplevel Wealth and its management have not been involved in legal or disciplinary events that are material to a client’s or prospective client’s evaluation of Uplevel Wealth or the integrity of its management. Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer Registration No Uplevel Wealth employee is registered, or has an application pending to register, as a broker-dealer or a registered representative of a broker-dealer. 12  Futures or Commodities Registration No Uplevel Wealth employee is registered, or has an application pending to register, as a futures commission merchant, commodity pool operator or a commodity trading advisor. Other Material Relationships Except for certain benefits we receive from the broker-dealers we recommend to clients as outlined in Item 12 of this Brochure, we do not receive any additional compensation or benefits, either directly or indirectly, in connection with referrals of our clients to any broker-dealers, custodians, attorneys, tax advisors, accountants, or any other third-parties. We will only recommend and refer third-parties providers to you when we believe such recommendations to be in your best interests. We do not act as a solicitor for any third-party. Except with respect to our requirement that wealth management clients engage certain custodians for trade execution and custodial services as outlined in Item 12 of this Brochure, you are never obligated to engage any third-party we recommend to you and do so at your sole discretion and risk. Recommendation or Selection of Other Investment Advisors As referenced in Item 4 of this brochure, our firm recommends Clients to sub-advisors for specific account investments. In the event that we recommend a sub-advisor, we do not share in their advisory fee. Our fee is separate and in addition to their compensation (as noted in Item 5 of this brochure). You are not obligated, contractually or otherwise, to use the services of any sub-advisor we recommend. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the best interests of each client. Our clients entrust us with their funds and personal information, which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core aspect of our Code of Ethics (“Code”) and represents the expected basis of all of our dealings. The firm also adheres to the Code of Ethics and Professional Responsibility adopted by the CFP® Board of Standards Inc. and accepts the obligation not only to comply with the mandates and requirements of all applicable laws and regulations but also to take responsibility to act in an ethical and professionally responsible manner in all professional services and activities. Code of Ethics Description Our Code does not attempt to identify all possible conflicts of interest and literal compliance with each of its specific provisions will not shield associated persons from liability for personal trading or other conduct that violates a fiduciary duty to advisory clients. A summary of the principles of our Code is outlined below. ● Integrity - Associated persons shall offer and provide professional services with integrity. ● Objectivity - Associated persons shall be objective in providing professional services to clients. ● Competence - Associated persons shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which they are engaged. ● Fairness - Associated persons shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers, and shall disclose conflict(s) of interest in providing such services. 13  ● Confidentiality - Associated persons shall not disclose confidential client information without the specific consent of the client unless in response to proper legal process, or as required by law. ● Professionalism - Associated persons' conduct in all matters shall reflect the credit of the profession. ● Diligence - Associated persons shall act diligently in providing professional services. We periodically review and amend our Code to ensure that it remains current, and we require all firm access persons to attest to their understanding of and adherence to the Code at least annually. Our firm will provide a copy of its Code to any client or prospective client upon request. Investment Recommendations Involving a Material Financial Interest and Conflicts of Interest Neither our firm, its associates or any related person is authorized to recommend to a client or effect a transaction for a client, involving any security in which our firm or a related person has a material financial interest, such as in the capacity as an underwriter, adviser to the issuer, etc. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Our firm, its access persons, and its related persons may buy or sell securities similar to, or different from, those we recommend to clients. In an effort to reduce or eliminate certain conflicts of interest, our Code requires that we restrict or prohibit access persons’ transactions in specific reportable securities. Any exceptions or trading pre-clearance must be approved by Uplevel Wealth’s Chief Compliance Officer in advance of the transaction in an account. Uplevel Wealth maintains a copy of access persons’ personal securities transactions as required. Trading Securities At/Around the Same Time as Client’s Securities From time-to-time our firm, its access persons, or its related persons may buy or sell securities for themselves at or around the same time as they buy or sell securities for clients’ account(s). To address this conflict, it is our policy that neither our firm or access persons shall have priority over clients’ accounts in the purchase or sale of securities. Item 12: Brokerage Practices Recommendation of Custodians Uplevel Wealth does not have any affiliation with any broker-dealers. Specific custodian recommendations are made to the client based on their need for such services. We recommend custodians to our clients based on the reputation and services provided by the firm, the custodian’s expertise and access to markets, trade execution ability, technology offering, and overall level of reporting and customer service, among other factors described below in this Item 12. Research and Other Soft-Dollar Benefits We currently do not receive soft dollar benefits. Brokerage for Client Referrals We receive no referrals from a broker-dealer or any other third-party in exchange for using that broker-dealer or third- party. 14  Clients Directing Which Broker/Dealer/Custodian to Use Clients are required to utilize the account custody services of Charles Schwab & Co., Inc. (“Schwab) in order for Uplevel Wealth to manage their designated accounts. Additional information regarding the use of Schwab as our primary custodian is disclosed below. Lower fees for similar services may be found at other custodians or broker-dealers. The Custodian and Brokers We Use (Charles Schwab) The custodian and brokers we use maintain custody of your assets that we manage, although we may be deemed to have limited custody of your assets due to our ability to withdraw fees from your account (see Item 15 – Custody, below). We recommend that our clients engage Schwab, a registered broker-dealer, member SIPC, as the qualified custodian. We are independently owned and operated and are not affiliated with Schwab. Schwab will hold your assets in a brokerage account held in your name and buy and sell securities when we instruct them to. While we recommend that you use Schwab as your custodian and executing broker, you will decide whether to do so and will open your account with Schwab by entering into an account agreement directly with them. We do not open the account for you, although we may assist you in doing so. Even though your account is maintained at Schwab, we can still use other brokers to execute trades for your account as described below (see “Your brokerage and custody costs”). How We Select Brokers/Custodians We seek to recommend a custodian/broker that will hold your assets and execute transactions on terms that are overall most advantageous when compared with other available providers and their services. We consider a wide range of factors, including: ● combination of transaction execution services and asset custody services (generally without a separate fee for custody); ● capability to execute, clear, and settle trades (buy and sell securities for your account); ● capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.); ● breadth of available investment products (stocks, bonds, mutual funds, ETFs, etc.); ● availability of investment research and tools that assist us in making investment decisions; ● quality of services; ● competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices; reputation, financial strength, security and stability; ● ● prior service to us and our clients; and ● availability of other products and services that benefit us, as discussed below (see “Products and services available to us from Schwab”) Your Brokerage and Custody Costs: For client accounts maintained at Schwab, Schwab generally does not charge you separately for custody services but is compensated by charging you commissions or other fees on trades that it executes or that settle into your Schwab account. Certain trades (for example, many mutual funds and ETFs) may not incur Schwab commissions or transaction fees. Schwab is also compensated by earning interest on the uninvested cash in your account in Schwab’s Cash Features Program. Products and Services Available To Us From Schwab: Schwab Advisor Services™ is Schwab’s business serving independent investment advisory firms like us. They provide our clients and us with access to their institutional brokerage services (trading, custody, reporting and related services), many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts, while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us. The following is a more detailed description of Schwab’s support services provided to our firm: 15  Services That Benefit You: Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit you and your account. Services That May Not Directly Benefit You: Schwab also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts. They include investment research, both Schwab’s own and that of third- parties. We may use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: facilitates trade execution; facilitates payment of our fees from our clients’ accounts; and ● provides access to client account data (such as duplicate trade confirmations and account statements); ● ● provides pricing and other market data; ● ● assists us with back-office functions, recordkeeping, and client reporting. Services That Generally Benefit Only Us: Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include access to educational conferences and events; consulting on technology, compliance, legal, and business needs; access to publications and conferences on practice management and business succession; and access to employee benefits providers, human capital consultants, and insurance providers. Schwab may provide some of the above services itself. In other cases, it will arrange for third-party vendors to provide the services to us. Schwab may discount or waive its fees for some or all of these services. The aforementioned research and brokerage services are generally used by Uplevel Wealth to manage accounts to which our firm provides ongoing investment management and supervisory services. Without these arrangements, Uplevel Wealth might be compelled to purchase the same or similar services at its own expense. As part of our fiduciary duty to clients, Uplevel Wealth endeavors at all times to put the interests of our clients first. Clients should be aware, however, that the receipt of economic benefits by our firm and/or our related persons from Schwab creates a conflict of interest and may indirectly influence our recommendation of Schwab to clients. Uplevel Wealth examined this potential conflict of interest in choosing to recommend Schwab and has determined that the recommendation of Schwab is in the best interests of our clients and satisfies our fiduciary obligations, including our duty to seek best execution. Schwab does not make client brokerage commissions generated by client transactions available for our firm’s use. Uplevel Wealth does not receive client referrals from Schwab in exchange for directing client transactions through Schwab. Aggregating (Block) Trading for Multiple Client Accounts Investment advisors may elect to purchase or sell the same securities for several clients at approximately the same time when they believe such action may prove advantageous to clients. This process is referred to as aggregating orders, batch trading or block trading. We do not engage in block trading. It should be noted that implementing trades on a block or aggregate basis may be less expensive for client accounts; however, it is our trading policy to implement all client orders on an individual basis. Therefore, we do not aggregate or “block” client transactions. Considering the types of investments we hold in advisory client accounts, we do not believe clients are hindered in any way because we trade accounts individually. This is because we develop individualized investment strategies for clients and holdings will vary. Our strategies are primarily developed for the long-term and minor differences in price execution are not material to our overall investment strategy. 16  Item 13: Review of Accounts Anika Hedstrom and Amanda Harvey will work with clients to obtain current information regarding their assets and investment holdings and will review this information as part of our financial planning services. On an annual basis, the financial planner will contact the client in order to perform a review of the Client’s financial plan to ensure its accuracy and ongoing appropriateness. Any needed updates will be implemented at that time. It is the Clients’ responsibility to provide updated and timely data to ensure the accuracy and appropriateness of the financial plan to their current and future situation(s). If the Client fails to respond to or fails to provide all requested data to the advisor as part of the Advisor’s annual review process, the advisor will utilize the most recently provided data to inform the plan going forward, until such time as the Client provides the Advisor with updated information. Uplevel Wealth does not provide specific reports to financial planning clients other than financial plans. Client accounts receiving wealth management services will be reviewed regularly on an annual basis by Anika Hedstrom and/or Amanda Harvey. Such accounts are reviewed with regards to the client’s investment policy statement/plan and risk tolerance levels. Events that may trigger a special review would be unusual performance, the addition or deletion of client imposed investment restrictions, excessive drawdowns, volatility in performance, or buy and sell decisions from the firm or per the client’s needs. Clients will receive trade confirmations from the broker(s) for each transaction in their accounts as well as monthly or quarterly statements and annual tax reporting statements from their custodian showing all activity in their accounts, such as receipt of dividends and interest. Uplevel Wealth will provide additional written reports to wealth management services clients on a quarterly basis. We urge clients to promptly compare these reports against the account statements they receive from their custodian. The quarterly reports include the following: allocation summary, performance compared to benchmarks, a performance summary of their accounts, a list of their portfolio holdings, and their billing statement. All the performance return data is annualized and presented net of fees. Item 14: Client Referrals and Other Compensation We do not receive any economic benefit, directly or indirectly, from any third-party for advice rendered to our clients. We do not, directly or indirectly, compensate any person who is not advisory personnel for client referrals. Item 15: Custody Uplevel Wealth does not accept custody of client funds except where it directly withdraws its advisory fees from the client’s account held at the custodian or where it allows clients to set up third-party standing letters of authorization. For client accounts from which Uplevel Wealth directly debits its advisory fee: ● Uplevel Wealth will send a copy of its invoice to the custodian at the same time that it sends the client a copy; ● The custodian will send at least quarterly statements to the client showing all disbursements for the account, including the amount of the advisory fees paid to Uplevel Wealth; and ● The client will provide written authorization to Uplevel Wealth, permitting them to be paid directly for their accounts held by the custodian. Clients will receive at least quarterly statements that are prepared and delivered independently by the broker-dealer, 17  bank, or other qualified custodian (typically Schwab) that holds and maintains the client’s investment assets. We urge you to carefully review such statements and compare such official custodial records to the account statements or reports that we may provide to you. Our statements or reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. With client’s written consent the firm may be provided with the authority to set up third-party standing letters of authorization (SLOAs) in order to initiate transfers between client accounts and accounts that have different registrations than the client’s account. For accounts in which third-part SLOAs are established, the seven safeguards below will be completed: ● Clients will be required to provide written and signed instructions to their qualified custodian detailing the name, address, and account number for which the transfer should be directed. ● Clients will provide written authority to Uplevel Wealth to direct transfers either on a specific schedule or from time to time. ● Uplevel Wealth holds the belief that Client’s qualified custodian verifies the written instruction received from Client and notifies clients of the transfer promptly after each transfer occurs. ● Client maintains the ability to terminate or change the instruction to the qualified custodian. ● Uplevel Wealth has no ability or authority to redesignate or change the third party name, address, account number or any other information without Client’s written instruction. ● Uplevel Wealth maintains books and records documenting that the third party is not a related party of Uplevel Wealth or located at the same address as Uplevel Wealth. ● The qualified custodian notifies client in written form confirming the initial setup and then annually to reconfirm the instruction. Item 16: Investment Discretion We maintain discretion over wealth management service accounts with respect to the securities to be bought and sold, the timing of transactions, and the amount of securities to be bought and sold. In exercising discretion, we can execute transactions without prior authorization from the client. Investment discretion is explained to clients in detail when an advisory relationship is commenced. At the start of the advisory relationship, the client will execute a written investment advisory agreement with us that includes a limited power of attorney granting our firm discretion over the accounts designated by the client. Item 17: Voting Client Securities We do not vote client proxies. Therefore, clients maintain exclusive responsibility for: (1) voting proxies and (2) acting on corporate actions pertaining to the client’s investment assets. The client shall instruct the client’s qualified custodian to forward to the client copies of all proxies and shareholder communications relating to the client’s investment assets. If the client would like our opinion on a particular proxy vote, they may contact us at the number listed on the cover of this brochure. The client makes the ultimate proxy voting decision and is responsible for voting the proxy. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward you any electronic solicitation to vote proxies. Item 18: Financial Information Financial Condition As an advisory firm that maintains discretionary authority for client accounts, we are required to disclose any financial 18  condition that is reasonably likely to impair our ability to meet its contractual obligations. We have no such financial circumstances to report. Balance Sheet Uplevel Wealth does not require or solicit prepayment of more than $500 in fees per client six months or more in advance. Therefore, we are not required to provide a balance sheet with this brochure. Bankruptcy Uplevel Wealth has not been the subject of a bankruptcy petition at any time in the past. 19