Universal Financial Advisors, LLC

Universal Financial Advisors, LLC serves individual clients (including high-net-worth individuals) as well as pension and profit-sharing plans, trusts, estates, charities, and business entities, offering comprehensive financial planning, discretionary investment and wealth management, and retirement plan consulting. The firm’s brochure reports approximately $277 million in discretionary assets under management and describes both portfolio management for individuals and specialized institutional services for plan sponsors.

The firm’s investment approach emphasizes asset allocation and diversification informed by Modern and Post‑Modern Portfolio Theory and behavioral finance, with portfolios built from mutual funds, ETFs, individual equity and debt securities, options, and, at times, independent managers. UFA tailors strategies to client risk tolerance and time horizon, monitors accounts regularly, and discloses that some advisers may use techniques such as market timing, sector rotation, concentrated positions, and may incorporate emerging technologies (including AI) as a complement to research while noting associated risks.

Compared with many peers, UFA discloses and operates a wrap fee program administered through Charles Schwab & Co., Inc., in which the firm may receive a portion of the wrap fee, and its brochure describes promoter/referral arrangements it may pay for client introductions. The firm also discloses relationships that can create incentive conflicts—such as some IARs who are registered representatives of Osaic Wealth, Inc. and licensed insurance agents—and indicates it advertises third‑party ratings and receives custodial and technology benefits from recommended custodians.