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Our Team

Karen Emma



Universal Healthcare | Universal Wealth Management | President | Founding Partner

Registered Financial Advisor | Independent Insurance Agent

For 20 years, Karen has been a successful Wealth Management leader, providing personalized investment advice to clients. After graduating from Brown University with degrees in Business, Entrepreneurship and Psychology, Karen began her finance career providing tailored investment advice for Smith Barney. After nearly a decade with the company, Karen went off on her own and launched Universal Wealth Management, LLC.. Karen successfully provides personal, family, business, estate, healthcare and career financial advice and management to more than 500 households and manages in excess of $250 million in assets. Additionally, Karen is a registered representative with Royal Alliance Associates, Inc., a prominent independent, full service broker-dealer.

Karen has a proven track record for providing sound financial guidance to her clients through many major life transitions in areas including Social Security, understanding the complexities of all aspects of Medicare (Individuals and Businesses), Prescription Drug Coverage and Individual and Group Health Care Plans.  She recently authored “Medicare Untangled.” The book, which will be published in the spring 2019, simplifies the complex world of Social Security and Medicare.

Karen’s accomplishments have not gone unnoticed. In 2017, she was honored as one of the top businesswomen in Rhode Island by Providence Business News. Her drive as a businesswoman stems from her competitive nature as a former standout athlete. A rare two-sport student-athlete at Boston College and Brown University, Karen excelled in both women’s hockey and softball. As a senior at Brown, Karen had the unique distinction of winning both ECAC and Ivy League titles in hockey (22-0-0 ECAC and 10-0-0 in Ivy)  and capturing the Ivy League Softball Championship. She also was a member of the United States Olympic Hockey Development Program.

She currently coaches both youth hockey and baseball and formerly served as the head hockey coach of her alma mater, St. Mary Academy Bay View. Under Karen’s direction, BV won three state championships and was the state runner-ups four times. Karen had been honored as the R.I. Schoolgirl Coach of the Year and has been inducted in Bay View’s Athletic Hall of Fame. The RI Interscholastic League honored Karen’s accomplishments by naming the top hockey division - The Emma Division. Karen resides in Cranston, RI with her son Edward L. Walsh III

**The 2019 Business Women Awards is presented by Providence Business News (PBN). Recipients are nominated in a number of industry categories. Winners are selected by the staff of PBN.

Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. **

Cindy Bailey

401-331-7600 ext 5


Universal Wealth Management

Administrative Assistant to Karen Emma, President

An Administrative Assistant of Universal Wealth Management, LLC, Cindy has more than 25 years of experience working in the finance industry. Prior to joining Universal Wealth Management, LLC in 2015, Cindy served as the controller for Insignia Real Estate Companies, LLC.. Her responsibilities included property management, accounting and bookkeeping.

At UWM, Cindy’s responsibilities include customer service, handling account opening, deposits, checks, wire transfers, IRA distributions, journal transfers, online web access, general account questions and correspondence, bookkeeping, accounting, office/property management and more

Cindy is a graduate of the Community College of Rhode Island where she received her Associates Degree in Accounting. She resides in West Warwick, RI with her husband, Gene. Her hobbies include mystery shopping and gardening.

*Not registered with Royal Alliance Associates, Inc.


Kaitlyn Miller



Universal Healthcare | Universal Wealth Management 

Director of Healthcare | Insurance Specialist

Kaitlyn has been an integral part of the Universal Healthcare / Wealth Management Team in various capacities for nearly a dozen years. A graduate of Bryant University where she received her Bachelor of Science Degree in Business Administration with a dual concentration in Management and Entrepreneurship, Kaitlyn’s primary focus is Universal Wealth Management’s healthcare division. As the director of UWM’s growing healthcare division, Kaitlyn oversees all of UWM’s agents and their clients. Kaitlyn directly works with healthcare clients focusing on Social Security benefits, Medicare and Medicaid Planning, Individual Life and Health Insurance Planning, as well as Small and Large Group Business Insurance Planning. Additionally, she coordinates and executes all of UWM’s healthcare events, including Social Security, Medicare and the “Medicare Untangled” series. In 2018, Kaitlyn produced more than 65 events during the Medicare Open Enrollment Period. On UWM’s financial side, Kaitlyn serves as a direct assistant to President and CEO Karen Emma. Kaitlyn is currently pursuing her Series 7 and Series 66. She will complete both her Series 7 and 66 in 2021.

Kaitlyn resides in Cranston, RI with her fiancé and daughters, Analeiah and Aurora.  


Phillip Wong


Boston Wealth Management | Managing Director

Phil Wong serves as our First Line Supervisor at Royal Alliance Associates, Inc. and Office of Supervisory Jurisdiction (SEC). Phil has served in the financial service industry since 1991. The founder and Managing Director of Boston Wealth Management, LLC, the company’s philosophy is to listen, understand and advise one individual at a time in order to lead clients to their defined goals.

As the Managing Director, Phil also utilizes his experience and investment knowledge assisting other advisors with business and professional development.

Phil’s dedication to excellence allows both clients and advisors to be served at a personalized level demanded by each.

Phil resides in Weston, MA with his wife Angie, daughter Ally and son Preston.

Joseph Goddard



Universal Healthcare | Universal Wealth Management 

Registered Administrative Assistant | Independent Specialist

An experienced insurance specialist,  Joe focuses on Social Security benefits, Medicare, Medicaid Planning, Individual Life and Health Insurance Planning, long-term care insurance, as well as Small and Large Group Business Insurance Planning. 

Joe provides responsive client-focused representation of core insurance products, life insurance, Medicare products and annuities.  He achieves short and long range client objectives by merging insurance knowledge and relationship knowledge and communication skills to provide the best possible recommendation for his clients..

A graduate of Bryant University where he earned a Bachelor of Science degree in management, Joe analyzes financial and personal data to support strategic insurance planning and recommendations. He represents a suite of insurance products for a variety of clients  and is successful in finding the proper life, health and long-term care insurance contracts to support each individual’s needs. Joe is an expert in analyzing life and long-term care policies in an effort to create security for his clients when the unexpected may occur. 

A former ice hockey coach,  Joe served as the assistant at  St. Mary Academy Bay View. Under Joe’s guidance, BV won three state championships and was the state runner-ups four times. 

An accomplished triathlete, Joe has successfully completed the Mont-Tremblant Ironman and Ironman 70.3 Providence.

Joe resides in Cumberland, RI with his two children, Sophie and Evan.