Universal Financial Advisors, LLC

Universal Financial Advisors, LLC is a Registered Investment Adviser based in St. Louis, MO, offering investment advisory services through SEC registration. The firm provides personalized financial planning and investment management services to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and business entities. Clients are required to enter into written agreements setting forth the terms of the advisory relationship before services are provided. The firm, owned by Brian C. Lock and Ashley B. Lock, manages over $251 million in discretionary assets as of December 31, 2024. Investment management fees are based on assets under management, typically ranging from less than 1% to no more than 2.5% annually. The firm may waive the Minimum Platform Service Fee of $50 annually per account for immediate family households meeting aggregate minimums. Clients have discretion over account additions and withdrawals, with fees prorated quarterly. The firm primarily allocates client assets among various mutual funds, ETFs, individual securities, options, and independent managers based on client objectives and risk tolerance. Investment strategies include asset allocation, diversification, and risk management based on Modern Portfolio Theory. The firm's IARs may employ market timing, sector rotation, and concentrated positions strategies. Clients are advised of inherent risks, including market risks, mutual funds and ETF risks, real estate investment trusts, exchange-traded notes, and option contracts. The firm does not participate in class actions on behalf of clients and does not vote proxies on clients' behalf. Clients are encouraged to review account statements and reports regularly and contact portfolio managers with any questions. The firm's Privacy Policy ensures the confidentiality and protection of client information.