Who We Serve
Cabin Owners
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CABIN OWNERS
Cabins are often places of cherished memories and sentimental value. A place where your son kicked off his first ski or your daughter caught her first walleye; A place where family and friends come together to celebrate life, share stories, and laugh; a place where you sip your morning coffee while on the boat. Cabins provide somewhere for you to get away from the high pressures of the city and reset. While a spot of relaxation, we know that these properties requires a tremendous investment of time, energy, and resources to keep it at pace, but they also require understanding and a keen sense of human behavior when it’s time to transition to its next evolution.
Cabin owners often have distinct financial situations and objectives. They may also have specific legacy goals related to their cabins, such as : how to pass down to future generations, how to ensure the burden of investment is lightened for those generations, how to equitably structure ownership, or how to ensure siblings are all on the same page when co-owning property.
We know that helping cabin owners organize and mediate these conversations is critical. The financial execution behind the property can enhance its overall use and leave no doubt that the cabin contributes positively to your legacy. By orchestrating this intimate family conversation – producing a Cabin Financial Plan – we help ensure memories at the cabin continue to positively impact futures rather than burden them.
Snowbirds
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Snowbirds
We specialize in assisting clients who own properties in other locations than where they call home... aka ‘Snowbirds’. Whether you look to escape the harsh Minnesota winters or, perhaps, go deeper into the mountains of snow, we understand the financial considerations that come with maintaining multiple residences.
By focusing on this specific situation, we help to optimize the complexities of state-specific tax laws, estate planning considerations to ensure smooth asset transitions across state lines, and a path to ownership for those with long-term goals to become partially or fully nomadic. Should your place of escape be outside of the U.S., we make sure to discuss healthcare and emergency coverages in foreign locations, ensuring you're protected no matter where you are.
It’s our goal to make sure that snowbirds, nomads - and anything in between - can enjoy confidence knowing their financial plans are robust, comprehensive, and air-tight to support this lifestyle. However, and wherever, you charge up, we are here to help you navigate your financial journey.
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Multi-Generational Families
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Multi-Generational Families
The Scottish proverb "shirtsleeves to shirtsleeves in three generations" describes the cycle where families starting with little means build their wealth through hard work, but by the time great-grandchildren are in charge, the family is back to where they started, highlighting the importance of preserving values and wisely managing the wealth that previous generations put their minds and bodies on the line for.
At Upstream we know that you’ve spent a thousand hours with your kids, helping and watching them grow in to independents… and hoping your values carry along throughout their adult life. We want to help by providing a third-party perspective in the importance of carrying on the values and work ethic of the generation before. With your permission, we relay information, stories, and ensure the fruits of your labor are sustainable across future generations.
Understanding that, sometimes, proactive communication among family members is actually the hardest obstacle; with that, we help ask meaningful questions in family meetings to align your financial goals, needs, and legacy wishes through a casual conversation.
By laying this foundation, it encourages the next generation to feel empowered, take risks, avoid common pitfalls, and build their own financial independence.
BUILDING LEGACIES THAT FLOW THROUGH GENERATIONS.
At UPSTREAM, we believe financial planning is more than managing assets—it's about preserving values, creating legacies, and empowering futures. Our team works with cabin owners, snowbirds, and multi-generational families to navigate life's financial currents with strategies that align with your aspirations.
Through financial planning, investment management, and family office services, we help transform financial complexity into clarity, ensuring your wealth works for you while preserving the memories, relationships, and values that matter most.
