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Confidence Breeds Freedom. Building Confidence,  Building Wealth Managing Your Wealth In Line With Your Life. Providing Flexible Services That Help You Save Time Financial Wellness Discovering The Path To Your Goals New "Medicare Untangled"© Book Social Security: By the Numbers The Cycle of Investing The Facts About Income Tax
Universal Healthcare

Universal Healthcare

Universal Healthcare is designed to help you and your family achieve financial wellness by coordinating your retirement planning to support ALL your Financial, Retirement, Social Security, Healthcare/Medicare goals.

Universal Healthcare offers a unique package of financial and healthcare/Medicare and Social Security advisory services through the exclusive Financial Longevity Bundle©, which incorporates Social Security, Healthcare/Medicare and Cash Flow (budget) in your retirement planning to help you achieve the goal of not outliving your money!

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Universal Wealth Management

Universal Wealth Management

Universal Wealth Management can help guide you along the path to—and through—retirement.  No matter where you are in life, we provide guidance, tools, and services to help you prepare for retirement on your terms.  Our primary focus is to ensure the appropriate strategies for your retirement plan distributions to coordinate with your life and ensure you do not outlive your retirement income stream.

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Click Here To Order Our New 2nd Edition Book "Medicare Untangled"© Launched to Simplify Healthcare's Gobbledegook for Retirees




There was a time, a generation ago in the 20th Century, when thinking (at all) about supporting yourself in your retirement year’s generally involved only one thing: the size and viability of your financial portfolio and your non-liquid assets (if any).

Not so in the 21st Century.

Today, financial portfolios and non-liquid assets, while obviously important, are only one of the critical elements that make up and affect the cash flow that you will absolutely need for your retirement income – cash flow that helps ensure that you do not outlive your money.

In an effort to not outlive your money, you need to recognize and manage all of these critical elements. Do this and you will have what we call a Financial Longevity Bundle© —Lifetime Cash Flow!   Click Here For The Financial Longevity Bundle© - A Lifeline Letter From Universal Wealth Management.

Click Here to view The Financial Longevity Bundle Newsletter Archives for up-to-date information on the critical elements that make up and affect your cash flow today.  

The first step may be the most difficult. No matter how comfortable you feel today, don’t assume everything will be okay. Don’t ignore the New Reality. To receive more information on the New Financial Longevity Bundle©, please Contact Us for detailed information.

Universal Wealth Management is a comprehensive financial services firm committed to helping our clients improve their long-term financial independence. Our customized programs are designed to help grow and preserve our clients’ wealth while striving to deliver an unprecedented level of personalized service and expertise.

We encourage you to explore our site and learn more about the services we provide. Should you have any questions or would like more information on our firm, please feel free to Contact Us. We look forward to hearing from you. 

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Our Company

Our primary goal at Universal Wealth Management is to offer you, our clients, sound financial and investment advice without the corporate pressure to sell proprietary products. This allows us to work more closely in our client and advisor relationship to help accomplish your long-term financial goals.

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Our Services

At Universal Wealth Management, we offer an extensive range of  products and services as well as life, health, disability and long-term care insurance.

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Meet Our Team

The power of a global partner. Karen Emma is the Founder and President of Universal Wealth Management in Providence, Rhode Island.

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