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RIA / WealthRegistered adviserindependent wealth managerSEC registeredRAUM 100m 1b

UNIVERSAL FINANCIAL ADVISORS, LLC

CRD 318392

ST. LOUIS, MO

This is the graph view. The full profile, with its team, deals and sources, is on RIA / Wealth Management.Open the full profile →

Search this name across graphsid dfx:ria:55c0a650-8090-ee58-ab54-7a000febb90f

Data as of Aug 13, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 1:00 AM UTC and rebuilt at most every 15 minutes.

Relationships: 13
Dated events: 4
On other graphs: 0
Observed: Apr 11, 2022 to Aug 13, 2026
14 observations

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

Firm class: independent wealth managerderivedprivate_client_share=1.0 fund_share=0.0 institutional_share=0.0 related_bd=false related_bank=false bd_reps=4.0
Regulatory AUM: $277MItem 5.F on the latest filing (2026-08-13); as reported, and an affiliate's assets may be counted again on its own filing
Discretionary RAUM: $277M
Private client RAUM: $276MderivedItem 5.D individuals plus high net worth individuals
Private client share: 100%derivedprivate client RAUM over total RAUM
Advisors on IAPD: 9
RAUM per advisor: $30.8Mderivedthe firm's RAUM over its IAPD headcount: a firm average, never a person's book
Employees: 8
Advisory employees: 8
Offices: 2Schedule D 1.F, beyond the principal office
Accounts: 709
Individual clients: 257
High net worth clients: 69
SEC number: 801-124991
CRD: 318392
Filings on the tape: 14
First filed: Apr 11, 2022
Latest filed: Aug 13, 2026
Organised: Limited Liability Company, MO
Website: universaladvisorsgroup.com

Advisors on IAPD

current investment adviser representatives on the IAPD individual feed, longest tenure first

Advisor	Designations	Branch	Years here	In industry	Prior firms	Dual registered
BRIAN CHRISTOPHER LOCK	Certified Financial Planner	ST. LOUIS, MO	4	28	3	yes
SUSAN RENE SOMMER	Certified Financial Planner	St. Peters, MO \| ST. LOUIS, MO	4	34	5	yes
WILLIAM BERNARD ALBAIR	n/a	ST. LOUIS, MO \| Parker, CO	4	21	3	no
GREGORY JOHN WOZNIAK	n/a	ST. LOUIS, MO \| Lake Winnebago, MO	4	28	8	no
Anna Marie Meurer	Certified Financial Planner\|Chartered Financial Consultant	ST. LOUIS, MO \| St. Peters, MO	3	14	1	yes
ANTHONY DWAYNE RICH	n/a	ST. LOUIS, MO	1	14	5	no
Grant Hunter Richars	n/a	ST. LOUIS, MO	0	13	n/a	no
COREY JAY MYERS	n/a	ST. LOUIS, MO \| Wood River, IL	0	35	3	no
Stephanie Louise Longanecker	n/a	ST. LOUIS, MO	0	12	1	yes

Owners and control persons

Schedule A and B as filed; ownership codes are the form's bands (NA under 5%, A 5 to 10%, B 10 to 25%, C 25 to 50%, D 50 to 75%, E over 75%); people are listed as filed and never merged by name

Owner	Title	Ownership code	Control person	Acquired	First seen	Last seen
BRIAN C. LOCK TOD BRIAN C. LOCK AND ASHLEY B. LOCK REVOCABLE QUALIFIED SPOUSAL TRUST DATED 10/7/2016	Owner	E	yes	12/2024	Dec 20, 2024	Dec 20, 2024
LOCK, ASHLEY, BETH	CO-TRUSTEE OF BRIAN C. LOCK TOD BRIAN C. LOCK AND ASHLEY B. LOCK REVOCABLE QUALIFIED SPOUSAL TRUST DATED 10/7/2016	D	yes	12/2024	Dec 20, 2024	Dec 20, 2024
LOCK, BRIAN, CHRISTOPHER	CHIEF COMPLIANCE OFFICER/MEMBER/PRINCIPAL	Na	yes	12/2021	Apr 11, 2022	Dec 20, 2024

Regulatory AUM by fiscal year

annual amendments (and the roster's annual snapshot) as filed; where a year was amended twice the later filing draws the line

Fiscal year	Filed	RAUM	Discretionary	Employees	Advisory staff	Offices	Private funds	Fund GAV
2025	Mar 16, 2026	$277M	$277M	8	8	2	n/a	n/a
2024	Apr 14, 2025	$251M	$251M	6	6	2	n/a	n/a
2023	Mar 29, 2024	$202M	$202M	6	6	0	n/a	n/a
2022	Mar 31, 2023	$182M	$182M	5	5	0	n/a	n/a

Advisor flows

derived: registrations beginning and ending at this CRD on IAPD, bulk corporate re-registrations excluded; the rate is departures over IAPD headcount

Joined, 12m	Left, 12m	Net, 12m	Departure rate, 12m	Joined, 90d	Left, 90d	Left, no destination yet	Joined, 36m	Left, 36m
2	0	2	0.0%	0	0	0	3	0

Growth

derived from consecutive annual filings; RAUM as reported

Latest fiscal year	RAUM	A year earlier	1y change	Three years earlier	3y CAGR	Employees	A year earlier	Offices	A year earlier
2025	$277M	$251M	10.5%	$182M	15.0%	8	6	2	2

Teams in

teams that arrived here from one firm together

Other firm	Advisors	First left	Last joined	From	Kind	Move type	Share of firm
PFG ADVISORS	4	Aug 10, 2022	Aug 16, 2022	ST LOUIS, MO	Team lift out	RIA to new firm	5.1%

Relationships

Registered with (9)

← Stephanie Louise LonganeckerAdvisorregistration: current employment
May 6, 2026 to presentfactForm ADV
← COREY JAY MYERSAdvisorregistration: current employment
Dec 9, 2025 to presentfactForm ADV
← Grant Hunter RicharsAdvisorregistration: current employment
Oct 15, 2025 to presentfactForm ADV
← ANTHONY DWAYNE RICHAdvisorregistration: current employment
Sep 26, 2024 to presentfactForm ADV
← Anna Marie MeurerAdvisorregistration: current employment
Aug 8, 2023 to presentfactForm ADV
← GREGORY JOHN WOZNIAKAdvisorregistration: current employment
Aug 16, 2022 to presentfactForm ADV
← WILLIAM BERNARD ALBAIRAdvisorregistration: current employment
Aug 15, 2022 to presentfactForm ADV
← SUSAN RENE SOMMERAdvisorregistration: current employment
Aug 10, 2022 to presentfactForm ADV
← BRIAN CHRISTOPHER LOCKAdvisorregistration: current employment
May 11, 2022 to presentfactForm ADV

Controls (3)

← LOCK, BRIAN, CHRISTOPHEROwnerCHIEF COMPLIANCE OFFICER/MEMBER/PRINCIPAL, ownership code NA, individual
Apr 11, 2022 to Dec 20, 2024factForm ADV
← LOCK, ASHLEY, BETHOwnerCO-TRUSTEE OF BRIAN C. LOCK TOD BRIAN C. LOCK AND ASHLEY B. LOCK REVOCABLE QUALIFIED SPOUSAL TRUST DATED 10/7/2016, ownership code D, individual
Dec 20, 2024 to Dec 20, 2024factForm ADV
← BRIAN C. LOCK TOD BRIAN C. LOCK AND ASHLEY B. LOCK REVOCABLE QUALIFIED SPOUSAL TRUST DATED 10/7/2016OwnerOWNER, ownership code E, domestic entity
Dec 20, 2024 to Dec 20, 2024factForm ADV

Moved with (1)

← PFG ADVISORSRegistered adviser4 advisors, team lift out
Aug 10, 2022 to Aug 16, 2022factForm ADV

Dated events

Occurred
Dec 20, 2024
Control person left
Larry Albert Lock (Member/Principal) no longer on Schedule A of Universal Financial Advisors, Llc (listed 2024-06-27, absent 2024-12-20)
Form ADVobserved 5 days ago
Occurred
Dec 20, 2024
Control person joined
Beth Ashley Lock (Co-Trustee Of Brian C. Lock Tod Brian C. Lock And Ashley B. Lock Revocable Qualified Spousal Trust Dated 10/7/2016) appeared on Schedule A of Universal Financial Advisors, Llc
Form ADVobserved 5 days ago
Occurred
Aug 10, 2022
Team lift-out
4 advisors left Pfg Advisors (ST Louis, MO) for Universal Financial Advisors, LLC within 12 days
Form ADVobserved 5 days ago
4 advisors
Occurred
Apr 11, 2022
First Form ADV filing
Universal Financial Planning Consultants, Inc. filed its initial SEC registration (Form ADV)
Form ADVobserved 5 days ago

Provenance

Graph: RIA / Wealth Management
Canonical id: dfx:ria:55c0a650-8090-ee58-ab54-7a000febb90f
First observed: Apr 11, 2022
Last observed: Aug 13, 2026 39 days ago
Source families: Federal regulator filings
3 registered feeds stand behind this record; each fact above carries its own dates and, where the publisher serves one, its document.
Resolution: Identity across graphs by shared identifier (CRD, CIK, EIN, ADV fund id, individual CRD) or citation; a name match is shown as a candidate and never merged.

UNIVERSAL FINANCIAL ADVISORS, LLC

CRD 318392

ST. LOUIS, MO

This is the graph view. The full profile, with its team, deals and sources, is on RIA / Wealth Management.Open the full profile →

Search this name across graphsid dfx:ria:55c0a650-8090-ee58-ab54-7a000febb90f

Data as of Aug 13, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 1:00 AM UTC and rebuilt at most every 15 minutes.

Advisor

Designations

Branch

Years here

In industry

Prior firms

Dual registered

BRIAN CHRISTOPHER LOCK

Certified Financial Planner

ST. LOUIS, MO

yes

SUSAN RENE SOMMER

Certified Financial Planner

St. Peters, MO | ST. LOUIS, MO

yes

WILLIAM BERNARD ALBAIR

n/a

ST. LOUIS, MO | Parker, CO

GREGORY JOHN WOZNIAK

n/a

ST. LOUIS, MO | Lake Winnebago, MO

Anna Marie Meurer

Certified Financial Planner|Chartered Financial Consultant

ST. LOUIS, MO | St. Peters, MO

yes

ANTHONY DWAYNE RICH

n/a

ST. LOUIS, MO

Grant Hunter Richars

n/a

ST. LOUIS, MO

n/a

COREY JAY MYERS

n/a

ST. LOUIS, MO | Wood River, IL

Stephanie Louise Longanecker

n/a

ST. LOUIS, MO

yes

Owner

Title

Ownership code

Control person

Acquired

First seen

Last seen

BRIAN C. LOCK TOD BRIAN C. LOCK AND ASHLEY B. LOCK REVOCABLE QUALIFIED SPOUSAL TRUST DATED 10/7/2016

Owner

yes

12/2024

Dec 20, 2024

LOCK, ASHLEY, BETH

CO-TRUSTEE OF BRIAN C. LOCK TOD BRIAN C. LOCK AND ASHLEY B. LOCK REVOCABLE QUALIFIED SPOUSAL TRUST DATED 10/7/2016

yes

12/2024

Dec 20, 2024

LOCK, BRIAN, CHRISTOPHER

CHIEF COMPLIANCE OFFICER/MEMBER/PRINCIPAL

yes

12/2021

Apr 11, 2022

Dec 20, 2024

Fiscal year

Filed

RAUM

Discretionary

Employees

Advisory staff

Offices

Private funds

Fund GAV

2025

Mar 16, 2026

$277M

n/a

2024

Apr 14, 2025

$251M

n/a

2023

Mar 29, 2024

$202M

n/a

2022

Mar 31, 2023

$182M

n/a

Joined, 12m

Left, 12m

Net, 12m

Departure rate, 12m

Joined, 90d

Left, 90d

Left, no destination yet

Joined, 36m

Left, 36m

0.0%

Latest fiscal year

RAUM

A year earlier

1y change

Three years earlier

3y CAGR

Employees

A year earlier

Offices

A year earlier

2025

$277M

$251M

10.5%

$182M

15.0%

Other firm

Advisors

First left

Last joined

From

Kind

Move type

Share of firm

PFG ADVISORS

Aug 10, 2022

Aug 16, 2022

ST LOUIS, MO

Team lift out

RIA to new firm

5.1%