Bay Shore, NY Office

Universal Wealth Management LLC provides discretionary portfolio management and investment advice to individual and high-net-worth clients, including IRA rollover guidance and access to a broad range of securities such as equities, bonds, mutual funds, ETFs, options, variable annuities, and structured products. The firm manages assets on a discretionary basis and uses model portfolios from unaffiliated managers as part of its offerings.

The firm's investment process combines fundamental analysis with both long- and short-term purchase strategies and may include occasional frequent trading where deemed suitable; tax efficiency is not a primary focus and clients are advised to consult tax professionals. Cash management and cost-basis considerations (custodian default to FIFO) are addressed in client accounts, and the firm executes custody and trading through a recommended qualified custodian.

Distinctive features disclosed in the brochure include formal affiliations with a law firm and with another registered investment adviser, as well as that many of its representatives are separately licensed insurance agents who may earn commission-based compensation for insurance sales—each of which can create additional conflicts of interest compared with peers. The firm also notes it does not participate in wrap fee programs, does not provide ongoing written financial planning as a core service, and generally directs clients to a single custodian and does not aggregate trades across accounts.