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Clients Bill of Rights

We believe that there are certain things you deserve and should expect from a financial planning firm. Our Clients' Bill of Rights is a list of rights that you can count on when you are working with us.

Your Right to Privacy and Security
Your account information is kept strictly confidential at all times, safeguarded by industry-leading technology.

Your Right to Communication
You have the right to open, consistent communication and to have information presented in clear and understandable terms.

Your Right to be Informed
We believe it is important to educate you and keep you informed about anything that may impact your investments and financial plan. W we strive to do this through newsletters, webinars and in-person meetings.

Your Right to Objectivity and Impartiality
You can always trust that our guidance is based on what our training and experience tells us is the best solution for you.

Your Right to Great Customer Service
You should expect the most courteous and prompt customer service possible from our highly trained, competent and professional staff.

Your Right to Equal Treatment
Uniformity of our investment management process assures equal and fair treatment for each client.

Your Right to Performance Reporting on Your Accounts
You will receive regular reports on the progress of your accounts, designed with input from our clients for relevance and ease of use.

Your Right to Continuous Investment Management
Our investment management process assures that portfolios are reviewed, monitored and administered on an ongoing basis pursuant to your personal investment policy.

Your Right to Simplification
Universal Wealth Management is designed to simplify all aspects of the investment management and financial services processes. We will also carry this through to your retirement planning including Social Security enrollment and helping clients understand and enroll in the best Medicare plan to fit their health care needs.

Your Right to Total Satisfaction
Our goal is your complete satisfaction. We want to hear from you to ensure that we are meeting this goal and how we can continue to do so.

Think Long Term...Always Do The "Right" Thing

  • Remember why people entrust us with their money; they expect us to exercise good judgment with objectivity and with impartiality
  • Value our independence, entrepreneurial spirit and flexibility
  • Encourage innovation and creativity
  • Leverage our talent, resources and contacts

Your Calls are Answered Promptly and Returned Promptly
Our client services professionals are a highly trained, experienced and motivated team that furnishes comprehensive professional assistance. Their presence assures that your questions, requests and other inquiries are answered and dispatched promptly and professionally. They provide the follow through and follow up that are imperative to your investment and planning strategies.


  • We are independent; we are not employees of a bank, brokerage firm, mutual fund or insurance company.
  • We have no proprietary products or programs. We are free to recommend products and strategies from a nearly unlimited menu. Independent advisors are perceived to be more impartial and objective.