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RIA / WealthAdvisorCertified Financial Plannerdual registered (broker-dealer)34 years in industry

SUSAN RENE SOMMER

Advisor at UNIVERSAL FINANCIAL ADVISORS, LLC

St. Peters, MO | ST. LOUIS, MO

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Search this name across graphsid dfx:ria:51c38ef2-b470-e60e-5c76-be5a1576ed80

Data as of Sep 15, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 5:16 PM UTC and rebuilt at most every 15 minutes.

Relationships: 6
Dated events: 1
On other graphs: 0
Observed: Sep 14, 1999 to Sep 15, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: UNIVERSAL FINANCIAL ADVISORS, LLC
Current firm class: independent wealth managerderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Jan 13, 1992earliest registration or exam on IAPD
Years in industry: 34derivedfrom the industry start date
Years at current firm: 4derivedfrom the current registration's begin date
Prior firms: 5
Current registrations: 1
Registered states: 1
Designations: Certified Financial Planner
Exams: S63
First exam: Jan 13, 1992
First registration: Sep 14, 1999
Dual registered: yes, broker-dealer
Other names: SUSAN R SOMMER|SUSAN RENE EFFINGER
IAPD individual key: 2202276

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
UNIVERSAL FINANCIAL ADVISORS, LLC	Independent wealth	Aug 10, 2022	n/a	yes	St. Peters, MO\|ST. LOUIS, MO	Current employment
PFG ADVISORS	Independent wealth	Jan 3, 2022	Aug 16, 2022	no	St. Peters, MO	Previous registration
BEAM WEALTH ADVISORS, INC.	Independent wealth	Apr 20, 2015	Dec 15, 2021	no	ST. PETERS, MO	Previous registration
LPL FINANCIAL LLC	Bd affiliated wealth	Sep 8, 2009	Jul 21, 2015	no	ST. PETERS, MO	Previous registration
MUTUAL SERVICE CORPORATION	n/a	Feb 17, 2004	Sep 8, 2009	no	BOSTON, MA\|ST.CHARLES, MO	Previous registration
SOMMER INVESTMENTS, L.L.C.	n/a	Sep 14, 1999	Jul 30, 2004	no	ST. CHARLES, MO	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
PFG ADVISORS	UNIVERSAL FINANCIAL ADVISORS, LLC	Aug 16, 2022	Aug 10, 2022	-6	Firm change	RIA to new firm
BEAM WEALTH ADVISORS, INC.	PFG ADVISORS	Dec 15, 2021	Jan 3, 2022	19	Firm change	RIA to RIA
LPL FINANCIAL LLC	BEAM WEALTH ADVISORS, INC.	Jul 21, 2015	Apr 20, 2015	-92	Firm change after gap	Other
MUTUAL SERVICE CORPORATION	LPL FINANCIAL LLC	Sep 8, 2009	Sep 8, 2009	0	Bulk transfer	Other
SOMMER INVESTMENTS, L.L.C.	MUTUAL SERVICE CORPORATION	Jul 30, 2004	Feb 17, 2004	-164	Firm change after gap	Other

Team moves

moves this advisor made together with colleagues (two or more registrations ending and beginning together)

Team	Left	Joined	From	Kind
173344:318392:MO:2022-08-10	Aug 16, 2022	Aug 10, 2022	ST PETERS, MO	Firm change
109867:173344:MO:2021-12-15	Dec 15, 2021	Jan 3, 2022	ST PETERS, MO	Firm change

Relationships

Registered with (6)

→ UNIVERSAL FINANCIAL ADVISORS, LLCRegistered adviserregistration: current employment
Aug 10, 2022 to presentfactForm ADV
→ PFG ADVISORSRegistered adviserregistration: previous registration
Jan 3, 2022 to Aug 16, 2022factForm ADV
→ BEAM WEALTH ADVISORS, INC.Registered adviserregistration: previous registration
Apr 20, 2015 to Dec 15, 2021factForm ADV
→ LPL FINANCIAL LLCRegistered adviserregistration: previous registration
Sep 8, 2009 to Jul 21, 2015factForm ADV
→ MUTUAL SERVICE CORPORATIONRegistered adviserregistration: previous registration
Feb 17, 2004 to Sep 8, 2009factForm ADV
→ SOMMER INVESTMENTS, L.L.C.Registered adviserregistration: previous registration
Sep 14, 1999 to Jul 30, 2004factForm ADV

Dated events

Occurred
Aug 16, 2022
Advisor changed firm
Susan Rene Sommer left Pfg Advisors for Universal Financial Advisors, Llc (registered 2022-08-10)
Form ADVobserved 6 days ago