Chief Executive Officer
Nyle Bayer believes money is a tool for building a life of purpose, and that the real job of a wealth manager is to help you use it that way. As Chief Executive Officer of Up Capital Management, he leads the second generation of a family firm, carrying forward the fee-only fiduciary standard the practice was built on, which means the advice you get at Up answers to you and no one else.
Nyle started his career at Up as an investment advisor, then spent more than a decade in executive leadership roles across wealth management, asset management and wealthtech. Seeing the industry from every side gave him a clear view of what clients actually need, a real plan, a real relationship, and a firm built to serve them for decades.
He holds the Accredited Investment Fiduciary (AIF®) and Accredited Retirement Plan Consultant (ARPC) designations. Nyle lives in the Sierra foothills with his wife and three kids. In his spare time you can find him on the baseball field or on the hiking trails.
Writing by Nyle
Recent writing
All published articles by Nyle Bayer, newest first.
Latest article
Estate PlanningWhat happens when you inherit an IRA, how the SECURE Act 2.0 10-year rule and RMDs work, and how step-up in basis applies to inherited homes and accounts, including California's community property rules.
A plain-language comparison of traditional and Roth IRAs for California pre-retirees, covering deductions, income limits, the backdoor Roth, RMDs, and state tax treatment.
A plain-English guide for California families with $1 million to $8 million in assets on the estate planning issues that actually apply to them in 2026, none of which involve the federal estate tax.
ISOs, RSUs, and concentrated stock each carry different tax rules and risks. This guide covers exercise timing, AMT planning, RSU vesting strategies, 10b5-1 plans, and diversification approaches with current 2026 figures.
A pre-retiree's guide to Roth conversion strategy: timing, tax bracket management, the five-year rule, sequencing, and California tax rules.
A California resident who sells a concentrated position at the 15% federal long-term rate can still owe more than twice that once the state and the surtax are layered on, and most of the planning options close the day the sale does.
Your accounts are rarely the hard part of retirement, the sequencing is, and this guide walks through which dollar comes out first and why.
Why a handful of companies create most of the stock market's wealth, why that concentration is normal and cyclical, and how long-term investors own durable companies broadly and hold through 50 percent drawdowns.
“The VIX gets clicks.” It’s an old saying in the financial media world, dating back to when publications first started selling display ads online. The VIX–better known as the “fear index”-- is what most investors watch t
There are three primary topics of conversation occurring in the broader market right now: interest rate direction, last week’s pullback in the S&P500, and the presidential campaigns. Let’s take a look at them one by one,
It’s officially the part of the new year where you are no longer allowed to tell people “Happy New Year!” but we’ve barely eclipsed the first half of January. The paint is still drying on 2023 but that’s old news. In the
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