Advisor at Universal Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Universal Financial Advisors, LLC
Location
St. Louis, MO 63122
Credentials
CFP®, Series 63, Series 65
Industry experience
27 years
Brian Lock is a CFP® with 27 years of industry experience, currently serving as a principal at Universal Financial Advisors, LLC in St. Louis, MO. His prior experience includes roles at Osaic Wealth, Inc., PFG Advisors, LLC, Securities America Inc., and Beam Asset Management, LLC. Outside of his advisory work, he volunteers with L.O.V.E. of KDHX, a community radio advocacy group, where he helps organize fundraising events and writes editorial articles. Universal Financial Advisors serves individual investors, including high-net-worth clients, as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm offers comprehensive financial planning, investment and wealth management, and retirement plan consulting, employing a tailored, asset-allocation-driven approach informed by Modern and Post-Modern Portfolio Theory while providing discretionary portfolio management and fiduciary services.
Based on Universal Financial Advisors, LLC
Based on Universal Financial Advisors, LLC
Fixed fees for financial planning and consulting services generally range from $1,000 to $10,000 depending on scope and complexity
Generally ranges from less than 1% to no more than 2.5% annually, varies by portfolio size and services rendered
Certain IARs may provide securities brokerage services under separate commission-based arrangement as registered representatives of Osaic Wealth, Inc.
Hourly fees charged for financial planning and consulting services; specific rates not stated
Account minimum: $75,000 per account (can be aggregated) Minimum fee: Minimum Platform Service Fee (MPSF) of $50 annually per advisory account, may be waived based on aggregate household accounts Fee-only: Financial planning and consulting fees generally range from $1,000 to $10,000 on a fixed fee basis; hourly fees also charged but specifics not stated
333 S. Kirkwood Road, Suite 301
St. Louis, MO 63122
Missouri · Texas
OSAIC
2024 - Present (2 years)
PFG Advisors, LLC
2022 - 2022 (1 year)
Universal Financial Advisors, LLC
2021 - Present (5 years)
Securities America Inc
2015 - 2024 (9 years)
Beam Asset Management, Llc
2015 - 2021 (6 years)
Universal Financial Group, Inc.
1998 - Present (28 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 65
Fenton, MO
Midwest Investment Advisors, LLC
Series 63, Series 65
Chesterfield, MO
Mills Barrington Advisors, LLC.
Series 65
Saint Louis, MO
Midwest Advisors LLC
Series 63, Series 65
Chesterfield, MO
Premier Wealth Advisory Services, Inc.
Series 63, Series 66
Saint Louis, MO
Integra Wealth Advisors
Series 63, Series 65
Chesterfield, MO
S.P. Parkin & Co
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