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
Series 65
Industry experience
< 1 year
Grant Richars is a financial advisor at Universal Financial Advisors, LLC in St. Louis, MO, holding a Series 65 designation. He began his advisory career in 2025 and has prior experience in educational roles at Southern Illinois University and Southwestern Illinois College. Universal Financial Advisors serves individual investors, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm offers comprehensive financial planning, investment and wealth management, and retirement plan consulting, using diversified portfolios tailored to client-specific risk tolerance and goals.
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
Universal Financial Advisors, LLC
2025 - Present (1 year)
Northwestern Mutual
2025 - 2025 (1 year)
Southern Illinois University
2024 - Present (2 years)
Four Process
2022 - 2023 (1 year)
Southwestern Illinois College
2022 - 2024 (2 years)
St. Dominic High School
2020 - 2022 (2 years)
Christian Brothers College High School
2019 - 2020 (1 year)
Home schooled
2013 - 2019 (6 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
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")