Universal Wealth Management

Building Confidence, Building Wealth

Financial planner in Cranston, RI (show on map)

5.0

★★★★★

2 reviews

Universal Wealth Management helps clients achieve financial wellness through coordinated retirement, healthcare, and Social Security planning.

Call (401) 331-7600

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About

Universal Wealth Management (UWM) was founded in January 2007 by Karen Emma, who sought to provide sound financial and investment advice without the pressure to sell proprietary products. UWM partners with Osaic Wealth, Inc., a FINRA/SIPC-registered broker-dealer, and offers a wide range of services including investment management, insurance, and retirement planning.

The firm emphasizes the Financial Longevity Bundle©, which integrates Social Security, healthcare/Medicare, and cash flow planning to help clients achieve financial freedom and avoid outliving their assets. UWM is committed to personalized service, community involvement, and leveraging technology platforms like NetX360 and SEI Private Trust to support client needs.

Financial Longevity Bundle©

No corporate pressure to sell proprietary products

Comprehensive integration of Social Security, healthcare/Medicare, and cash flow planning

Services

Investment Planning

Tailored investment strategies to meet individual financial goals.

Personalized portfolio management Risk assessment Asset allocation

Retirement Planning

Comprehensive planning to ensure financial security in retirement.

Social Security optimization Medicare coordination Cash flow analysis

Insurance Planning

Life, health, disability, and long-term care insurance solutions.

Risk assessment Policy selection Benefit optimization

Tax Planning

Strategies to minimize tax liability and maximize after-tax returns.

Tax bracket management Tax-efficient investment strategies Estate tax planning

Estate / Generational Planning

Planning to preserve and transfer wealth across generations.

Will and trust creation Probate avoidance Generational wealth transfer strategies

Personal Finance / Money Management

Tools and advice for everyday financial decisions.

Budgeting Debt management Cash flow analysis

Credentials & Certifications

Registered Representative

Since 2007

Reviews

Rating

★★★★★

Reviews

Frequently Asked Questions

What is the Financial Longevity Bundle©? +

A comprehensive package that integrates Social Security, healthcare/Medicare, and cash flow planning to help clients achieve financial freedom and avoid outliving their assets.

How does Universal Wealth Management ensure clients do not outlive their money? +

Through the Financial Longevity Bundle©, which coordinates retirement, healthcare, and Social Security planning to optimize cash flow and asset preservation.

What insurance products does Universal Wealth Management offer? +

Life, health, disability, and long-term care insurance solutions tailored to individual needs.

How does Universal Wealth Management support retirement planning? +

By providing personalized retirement plans that include Social Security optimization, Medicare coordination, and cash flow analysis.

What is the role of Osaic Wealth, Inc. in Universal Wealth Management? +

Osaic Wealth, Inc. serves as the broker-dealer partner, offering investment management services and technology platforms like NetX360 to support Universal Wealth Management’s advisory practices.

What community initiatives does Universal Wealth Management support? +

Universal Wealth Management operates the Universal Wealth Management Charitable Foundation, matching employee donations to local and national charities focused on food, water, medical care, education, and more.