# 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.

- CRD: 318392
- Filed as: UNIVERSAL FINANCIAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: St. Louis, MO
- Filing period: October 2026
- Form ADV filing dated: August 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/318392
- AdvisorCensus page: https://advisorcensus.com/firm/universal-financial-advisors-llc-st-louis-mo-318392

## Quick answers

**How 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.

**How much does Universal Financial Advisors, LLC charge?**
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); Flat fee: $1,000 to $10,000 (financial planning and consulting services). 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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated August 10, 2026)

- Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states)

> 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

> We have a minimum size account requirement of $75,000 per account (can be aggregated, see below).

- Minimum annual fee: $50

> The advisory account Minimum Platform Service Fee (MPSF) is $50 annually per advisory account.

- Flat fee: $1,000 to $10,000 (financial planning and consulting services)

> 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

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $277,496,642
- Discretionary: $277,496,642
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 257 | $78,376,637 |
| High net worth individuals | 69 | $198,044,759 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 2 | $820,783 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 3 | $254,463 |

### 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)

### Firm details
- Registered since: 2022 (4 years)
- Employees: 8 total, 8 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CA, FL, IL, MO, NC, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the September 2026 filing
- St. Peters, MO

### Websites listed on Form ADV (Item 1.I)
- universaladvisorsgroup.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $180,009,378 | 5 | September 8, 2022 |
| October 2023 | $182,292,155 | 5 | September 1, 2023 |
| October 2024 | $202,089,992 | 6 | June 27, 2024 |
| October 2025 | $251,062,299 | 6 | April 14, 2025 |
| October 2026 | $277,496,642 | 8 | August 13, 2026 |

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.

## 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%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Universal Financial Advisors, LLC (CRD 318392): Form ADV filing data as of October 2026.