AdvisorCensus / Financial advisors / Missouri / St. Louis / Universal Financial Advisors, LLC
Universal Financial Advisors, LLC is an SEC-registered investment advisory firm in St. Louis, MO, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated August 13, 2026.
Quick answers
From the filingHow is Universal Financial Advisors, LLC compensated?
On its Form ADV (Item 5.E, October 2026), Universal Financial Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges.
What does Universal Financial Advisors, LLC's brochure say about its fees?
Its Form ADV Part 2A brochure dated August 10, 2026 states: Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Universal Financial Advisors, LLC located?
Universal Financial Advisors, LLC's principal office is in St. Louis, MO, according to its Form ADV; the September 2026 filing also lists 1 other office (Schedule D, Section 1.F).
Is Universal Financial Advisors, LLC registered with the SEC or a state?
Universal Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 318392.
How much does Universal Financial Advisors, LLC manage?
Universal Financial Advisors, LLC reports $277,496,642 in regulatory assets under management in its Form ADV filing dated August 13, 2026 (100% discretionary).
How have Universal Financial Advisors, LLC's assets and staff changed since 2022?
In the Form ADV data for Universal Financial Advisors, LLC: Regulatory assets under management: $180,009,378 in the October 2022 data and $277,496,642 in the October 2026 data, up 54%. Total employees: 5 in October 2022 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Universal Financial Advisors, LLC serve?
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (257); high net worth individuals (69); corporations or other businesses not listed above (3).
Which custodians does Universal Financial Advisors, LLC use?
Universal Financial Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.
Does Universal Financial Advisors, LLC report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/318392
Does Universal Financial Advisors, LLC state an account minimum?
Its Form ADV Part 2A brochure dated August 10, 2026 says: "We have a minimum size account requirement of $75,000 per account (can be aggregated, see below)."
What changed in Universal Financial Advisors, LLC's recent Form ADV filings?
In the September 2026 filing data: Registered or notice-filed in CA, NC.
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AAsset-based fee: up to 2.5% of assets a year (the maximum the brochure states)
The brochure's wording
Generally, fees range from less than 1% annually to no more than 2.5% annually.
We generally charge a fixed and/or hourly fee for providing financial planning and consulting services. These fees are negotiable but generally range from $1,000 to $10,000 on a fixed fee basis.
Account minimum: $75,000
The brochure's wording
We have a minimum size account requirement of $75,000 per account (can be aggregated, see below).
Minimum annual fee: $50
The brochure's wording
The advisory account Minimum Platform Service Fee (MPSF) is $50 annually per advisory account.
As stated in the firm's Form ADV Part 2A brochure dated August 10, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$277,496,642 as of October 2026, filing dated August 13, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)
Registration and firm details
Items 1, 2, 5- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2022 (4 years)
- Employees
- Total: 8. Performing investment advisory functions: 8.
- Wrap fee program participation
- Yes.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- Other offices (Schedule D, Section 1.F)
-
1 other office, as of the September 2026 filing
- States registered or notice-filed
-
7 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $277,496,642 | 8 | August 13, 2026 |
| October 2025 | $251,062,299 | 6 | April 14, 2025 |
| October 2024 | $202,089,992 | 6 | June 27, 2024 |
| October 2023 | $182,292,155 | 5 | September 1, 2023 |
| October 2022 | $180,009,378 | 5 | September 8, 2022 |
Regulatory assets under management: $180,009,378 in the October 2022 data and $277,496,642 in the October 2026 data, up 54%.
Total employees: 5 in October 2022 and 8 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- September 2026
- Registered or notice-filed in CA, NC.
- June 2026
- Registered or notice-filed in VA.
- April 2026
- Employees performing advisory functions went from 6 to 8.
- Regulatory assets under management went from $251,062,299 to $277,496,642 (+11%).
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Universal Financial Advisors, LLC (CRD 318392): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/universal-financial-advisors-llc-st-louis-mo-318392