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Utica Physicians' Association, Ltd. (UPAL) is a Registered Investment Adviser that specializes in designing low cost retirement planning and investment services for physicians and other healthcare professionals. Our 401(k) Retirement Program is a turn-key solution that includes administration, compliance, record keeping, and education. We also offer additional investment options such as IRA's and brokerage accounts at a low cost fee.

UPAL has over a 30 year history of providing quality service to health care professionals, but UPAL's investment expertise is not limited to the healthcare industry.  We have also helped other types of businesses and clients from a variety of professional backgrounds with planning for their retirement or investing in other savings vehicles.

Our mission is to help you build a rock-solid financial future.