DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

Former SEC-registered adviser

Universal Financial Planning Consultants, Inc.

Former SEC-registered adviserSt. Louis, MissouriCRD 116386SEC 801-68480IAPD
Latest filing Mar 27, 2015
First filing on the tape Mar 30, 2012 · 7 filings
RAUM
$196M
reported, Item 5.F
Discretionary
94%
of RAUM
Private clients
0.0%
$0 individuals and HNW
Advisors
0
registered through the firm on IAPD
RAUM per advisor
n/a
derived; firm RAUM over IAPD count
Employees
10
10 advisory (5.B.1)
Offices
n/a
beyond the principal office
Private funds
0
reported on Schedule D
History
7 filings and snapshots on the tape
RAUM$196M as of Mar 27, 2015
Mar 30, 2012$120M then
HNW client RAUM: no history
State-registered IARs (5.B.3)10 as of Mar 27, 2015
Mar 28, 201310 then
Employees (5.A)10 as of Mar 27, 2015
Mar 28, 201310 then
Private funds: no history
RAUM +6.4% over the last fiscal year+18% a year over threeIARs 10 to 10
Practice profile
derived from the filing of Mar 27, 2015; every figure names its basis
RAUM per advisor
$19.6MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
unknownderivedindividual and HNW clients (5.D) over advisors
Average HNW client
unknownderivedHNW RAUM over HNW clients
Average account
$361,543derivedRAUM over accounts (5.F.2.f)
Discretionary
94%derivedof RAUM
Institutional
0.0%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
1.0derivedItem 5.A over advisors
Advisors per office
2.0derived5 offices incl. principal (1.F.5)
RAUM growth, one year
+6.4%derivedbetween the last two annual amendments
Advisor growth, one year
+0.0%derivedItem 5.B.3 between annual amendments
Client growth, one year
unknownderived
Compensation
percentage of assets, hourly, fixed fees, otherreportedItem 5.E
Advisory activities
financial planning, portfolio management for individuals, portfolio management for businesses and institutions, selection of other advisersreportedItem 5.G
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • receives research or other products from a broker-dealer, soft dollars (8.E)
Where the RAUM sits
Form ADV Item 5.D, latest filing
This filing has no Item 5.D breakdown (filings before 2017 reported ranges, not amounts).
Individual clients
n/areported
HNW clients
n/areported
Pension plan clients
n/areported
Charitable clients
n/areported
Accounts
543reported
Financial planning clients
1-10reported
Wrap fee programs
noreported
Custody of client assets
noreported
Compensation
% of AUM, fixed, hourlyreported
Class basis
absent from the latest SEC rosterderived
Advisors registered through the firm
0 on IAPD today, longest tenure first
No representative is registered through this CRD on IAPD.
Advisor movement
Joined, latest
Every departureEvery arrival
Teams: two or more advisors moving together within fourteen days, from one state
    Teams outTeams in
    Private funds
    No private fund reported.
    Owners and control persons
    Schedule A and B, latest filing
    • Larry Albert Lock · President/Chief Compliance Officercontrol
      since 01/1985 · owns 75% or more
    Related persons
    Schedule D 7.A
    • Daniel Elder
      insurancen
    Offices
    Schedule D 1.F, the 25 largest
    • Kirkwood, MO
    • Lee'S Summit, MO
    • St. Charles, MO
    • St. Louis, MO
    What changed
    consecutive filings, newest first
    • Accounts · 507 to 543
      Mar 25, 2014 to Mar 27, 2015
    • Discretionary RAUM · $169M to $185M
      Mar 25, 2014 to Mar 27, 2015
    • Non-discretionary RAUM · $15.6M to $10.9M
      Mar 25, 2014 to Mar 27, 2015
    • RAUM · $184M to $196M
      Mar 25, 2014 to Mar 27, 2015
    • Accounts · 452 to 507
      Jun 24, 2013 to Mar 25, 2014
    • Discretionary RAUM · $146M to $169M
      Jun 24, 2013 to Mar 25, 2014
    • Non-discretionary RAUM · $18.5M to $15.6M
      Jun 24, 2013 to Mar 25, 2014
    • RAUM · $164M to $184M
      Jun 24, 2013 to Mar 25, 2014
    • Accounts · 363 to 452
      May 8, 2012 to Mar 28, 2013
    • Advisory employees · unset to 10.0
      May 8, 2012 to Mar 28, 2013
    • Advisory activities · 5 to 4
      May 8, 2012 to Mar 28, 2013
    • BD registered reps · unset to 10.0
      May 8, 2012 to Mar 28, 2013
    • Employees · unset to 10.0
      May 8, 2012 to Mar 28, 2013
    • Financial planning clients · 0 to 1-10
      May 8, 2012 to Mar 28, 2013
    • State-registered IARs · unset to 10.0
      May 8, 2012 to Mar 28, 2013
    • Discretionary RAUM · $120M to $146M
      May 8, 2012 to Mar 28, 2013
    • Non-discretionary RAUM · $0 to $18.5M
      May 8, 2012 to Mar 28, 2013
    • RAUM · $120M to $164M
      May 8, 2012 to Mar 28, 2013
    Signals
    No event on the tape.
    Across DFX
    shared identifiers only, never a name match
    No identifier-backed link to the venture, private equity, family office or sponsor graphs.
    Provenance
    Form ADV
    SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
    Advisors
    IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
    Class
    Former SEC-registered adviserderiveda rule over Items 5.D and 7.A
    RAUM per advisor
    n/aderivedfirm RAUM over the IAPD count; not a book size
    Loaded
    Sep 14, 2026