Karen Emma

For more than 25 years, Karen Emma has been a successful Wealth Management leader, providing personalized investment, retirement, insurance, Social Security and Healthcare / Medicare 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 Osaic Wealth, 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.

Together, we can identify and enroll you in the the best Retirement, Healthcare/Medicare plan to fit your Retirement, Healthcare / Medicare goals.

Whether it’s family or business you have people that count on you. Investments, Insurance and Planning are about peace of mind and protecting those who trust us. We provide no obligation, consultations so you can be sure you are making the best choices for your financial, Retirement, Healthcare/Medicare and Life insurance needs.

Areas of focus are: Retirement Planning • Social Security • Medicare • Individual and Group Health Insurance • Individual and Group Medicare Plans • Life Insurance • Long Term Care • Annuities • Estate / Generational Planning • Business Planning • Educational Planning • And More.

Our resources cover all aspects of insurance so before making decisions about your insurance needs contact us!