Wood River, IL Office

Universal Financial Advisors, LLC serves individuals (including high‑net‑worth clients), retirement plans, trusts, estates, charitable organizations and business entities, offering comprehensive financial planning, discretionary portfolio management, and retirement‑plan consulting. The brochure reports the firm has nine advisors, 326 clients, and $277,496,642 in discretionary assets under management (with additional assets under advisement).

The firm generally manages client portfolios on a discretionary basis and emphasizes asset allocation and diversification grounded in Modern and Post‑Modern Portfolio Theory, using mutual funds, ETFs, individual debt and equity securities, options, and, when appropriate, Independent Managers. UFA tailors allocations to client risk tolerance and time horizon, conducts at least quarterly reviews, and describes ERISA/DOL fiduciary processes when advising retirement accounts.

The brochure highlights several features that differ from many peers: UFA offers a Wrap Fee Account administered through Charles Schwab & Co., Inc., under which an inclusive fee covers management, brokerage and custody and the firm receives a portion of the wrap fee, and it provides discretionary management for directly held American Funds accounts serviced by American Funds Service Company (transfer‑agent platform). The materials also disclose advisor affiliations with Osaic Wealth, Inc. and insurance licensure, note use of Schwab institutional platform services and other third‑party support, and indicate the firm references third‑party ratings in its marketing materials.