Our Team

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 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.

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. **

Darren is one of our newest additions at Universal Wealth Management (UWM), joining the UWM Team in July 2025. Darren is a Financial Advisor and Client Services Associate at Universal Wealth Management. Darren has passed the Securities industry Essentials (SIE), Series 7, and Series 66 exams. 

Jacquelyn deRonde

Universal Wealth Management | Universal Social Security, Medicare & Healthcare

Administrative Assistant | Accounting & Bookkeeping Administrator

Phone: 401-331-7600 x 5

Fax: 401-331-7800

Email: jacquelyn@universalwm.com 

*Not registered with Osaic Wealth, Inc.

Jaclyn Dupont

Universal Wealth Management | Universal Social Security, Medicare & Healthcare

Assistant to President Karen Emma

Phone: 401-331-7600 x 9

Fax: 401-331-7800

Email: jaclyn@universalwm.com

*Not registered with Osaic Wealth, Inc.

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.

*Not registered with Osaic Wealth, Inc.

Will Parris joined Universal Healthcare / Universal Wealth Management (UWM) in 2022 as the Director of New Business Development.  Will Parris can be referred to as the consummate professional with vast cumulative experience spanning over 20 years in the Sales and Healthcare sectors.  With a primary focus on the Healthcare side of UWM, Will is overseeing marketing programs aimed to drive new business while bringing value to clients and colleagues. Before joining UWM, he worked at several companies building his skills and network with a focus on strategic business development, sales and marketing.

Will is currently pursuing his Life and Health Insurance licenses in addition to becoming a fully licensed Medicare Broker and Social Security Specialist.

Will graduated from the University of Lynchburg and lives in Providence with his wife Chelsea.

*Not registered with Osaic Wealth, Inc.

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.