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.
SEC-registered adviser
Universal Financial Services Inc.
Latest filing Feb 11, 2026
First filing on the tape Jan 30, 2012 · 12 filings
SEC status approved since May 21, 2021
RAUM
$325M
reported, Item 5.F
Discretionary
100%
of RAUM
Private clients
0.0%
$0 individuals and HNW
Advisors
1
registered through the firm on IAPD
RAUM per advisor
$325M
derived; firm RAUM over IAPD count
Employees
3
1 advisory (5.B.1)
Offices
0
beyond the principal office
Private funds
0
reported on Schedule D
History
12 filings and snapshots on the tape
RAUM$325M as of Feb 11, 2026
Jan 30, 2012$186M then
HNW client RAUM: no history
State-registered IARs (5.B.3)1 as of Feb 11, 2026
Jan 30, 20120 then
Employees (5.A)3 as of Feb 11, 2026
Mar 28, 20229 then
Private funds: no history
RAUM -4.2% over the last fiscal year-6.4% a year over threeIARs 2 to 1
Practice profile
derived from the filing of Feb 11, 2026; every figure names its basis
Archetypes, each a printed rule
- Broker-dealer affiliated · Item 7.A.1 (broker-dealer affiliate) and at least 50 registered representatives (Item 5.B.2), or the adviser is itself a broker-dealer (6.A.1)
- Solo or small team · one advisor, or a wealth manager with up to three advisors and one office
- RAUM per advisor
- $325MderivedRAUM 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
- $325MderivedRAUM over accounts (5.F.2.f)
- Discretionary
- 100%derivedof RAUM
- Institutional
- 0.0%derivedpensions, charities, corporations, government, insurance, banks, other advisers
- Employees per advisor
- 3.0derivedItem 5.A over advisors
- Advisors per office
- 1.0derived1 offices incl. principal (1.F.5)
- RAUM growth, one year
- -4.2%derivedbetween the last two annual amendments
- Advisor growth, one year
- -50%derivedItem 5.B.3 between annual amendments
- Client growth, one year
- unknownderived
- Compensation
- percentage of assetsreportedItem 5.E
- Advisory activities
- portfolio management for investment companiesreportedItem 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
- is a broker-dealer (6.A.1)
Where the RAUM sits
Form ADV Item 5.D, latest filing
- Investment companies$325M100%
- Individual clients
- n/areported
- HNW clients
- n/areported
- Pension plan clients
- n/areported
- Charitable clients
- n/areported
- Accounts
- 1reported
- Financial planning clients
- 0reported
- Wrap fee programs
- noreported
- Custody of client assets
- noreported
- Compensation
- % of AUMreported
- Class basis
- private_client_share=0.0 fund_share=1.0 institutional_share=0.0 related_bd=false related_bank=false bd_reps=2.0derived
Advisors registered through the firm
1 on IAPD today, longest tenure first
| Name | Branch | Here since | In industry | Prior firms |
|---|---|---|---|---|
| Nancy Ivette Martinez-Rivera | Guaynabo, Pr | Aug 25, 2022 | 11 y | 2 |
Advisor movement
0 left, 0 joined in 12 months
net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 0.0% of current headcount0 left over 36 months
Left, latest
- Edward Robert Barros to Finanxial Investment Advisors, CorpOct 27, 2022 · Other
- Michael E Prewitt to UBS Financial Services Inc.Jun 15, 2022 · Other
Joined, latest
- Nancy Ivette Martinez-Rivera from Citigroup Global Markets Inc.Aug 25, 2022 · Other
- Michael E Prewitt from UBS Financial Services Inc.Apr 4, 2022 · Other
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
- Jose Carlos Benitez-Ulmer · Executive Representative, Finopcontrolsince 03/2004 · owns less than 5%
- Nancy Ivette Martinez-Rivera · Chief Compliance Officercontrolsince 09/2022 · owns less than 5%
- Monique Miranda · Directorcontrolsince 06/2004 · owns less than 5%
- Osvaldo Ramirez Bermudez · Chief Risk Officercontrolsince 06/2022 · owns less than 5%
- Monique Miranda · Ceocontrolsince 01/2019 · owns 75% or more of Universal Group, Inc.
Entity owners
- Universal Group, Inc · Ownerdirect · owns 75% or more
Related persons
Schedule D 7.A
- Universal Life Insurance Companyreal estaten
Offices
Schedule D 1.F, the 25 largest
No branch office listed.
What changed
consecutive filings, newest first
- Discretionary RAUM · $337M to $325MSep 11, 2025 to Feb 11, 2026
- RAUM · $337M to $325MSep 11, 2025 to Feb 11, 2026
- Financial planning clients · 0 to 0Mar 6, 2025 to Sep 11, 2025
- State-registered IARs · 2 to 1Mar 6, 2025 to Sep 11, 2025
- Discretionary RAUM · $339M to $337MMar 6, 2025 to Sep 11, 2025
- RAUM · $339M to $337MMar 6, 2025 to Sep 11, 2025
- State-registered IARs · 1 to 2Feb 14, 2024 to Mar 6, 2025
- Discretionary RAUM · $374M to $339MFeb 14, 2024 to Mar 6, 2025
- RAUM · $374M to $339MFeb 14, 2024 to Mar 6, 2025
- Discretionary RAUM · $396M to $374MFeb 9, 2023 to Feb 14, 2024
- RAUM · $396M to $374MFeb 9, 2023 to Feb 14, 2024
- BD registered reps · 9 to 2Sep 29, 2022 to Feb 9, 2023
- Employees · 9 to 3Sep 29, 2022 to Feb 9, 2023
- State-registered IARs · 0 to 1Sep 29, 2022 to Feb 9, 2023
- Discretionary RAUM · $517M to $396MSep 29, 2022 to Feb 9, 2023
- RAUM · $517M to $396MSep 29, 2022 to Feb 9, 2023
- Accounts · 2 to 1Aug 25, 2021 to Mar 28, 2022
- Advisory employees · 2 to 1Aug 25, 2021 to Mar 28, 2022
- BD registered reps · 4 to 9Aug 25, 2021 to Mar 28, 2022
- Employees · 8 to 9Aug 25, 2021 to Mar 28, 2022
- Discretionary RAUM · $532M to $517MAug 25, 2021 to Mar 28, 2022
- RAUM · $532M to $517MAug 25, 2021 to Mar 28, 2022
- Accounts · 0 to 2Apr 21, 2021 to Aug 2, 2021
- Discretionary RAUM · $0 to $532MApr 21, 2021 to Aug 2, 2021
- RAUM · $0 to $532MApr 21, 2021 to Aug 2, 2021
- Accounts · 1 to 0Jan 30, 2012 to Apr 21, 2021
- Advisory employees · unset to 2.0Jan 30, 2012 to Apr 21, 2021
- BD registered reps · unset to 4.0Jan 30, 2012 to Apr 21, 2021
- Employees · unset to 8.0Jan 30, 2012 to Apr 21, 2021
- HQ city · HATO REY to GUAYNABOJan 30, 2012 to Apr 21, 2021
- Other offices · unset to 0.0Jan 30, 2012 to Apr 21, 2021
- Discretionary RAUM · $186M to $0Jan 30, 2012 to Apr 21, 2021
- RAUM · $186M to $0Jan 30, 2012 to Apr 21, 2021
Signals
7 dated events
- Edward Robert Barros left Universal Financial Services Inc. for Finanxial Investment Advisors, Corp (registered 2023-08-22)Oct 27, 2022 · Advisor changed firm · fact
- Nancy Ivette Martinez-Rivera (Chief Compliance Officer) appeared on Schedule A of Universal Financial Services Inc.Sep 29, 2022 · Control person joined · fact
- Osvaldo Ramirez Bermudez (Cco-Registered Investment Adviser) appeared on Schedule A of Universal Financial Services Inc.Jul 6, 2022 · Control person joined · fact
- Michael E Prewitt left Universal Financial Services Inc. for Ubs Financial Services Inc. (registered 2022-07-01)Jun 15, 2022 · Advisor changed firm · fact
- Universal Financial Services Inc. reported RAUM $0, down 100% from $186.0M (2012-01-30 to 2021-04-21)Apr 21, 2021 · RAUM change · derived
- Luis Bautista Miranda (Director) no longer on Schedule A of Universal Financial Services Inc. (listed 2012-01-30, absent 2021-04-21)Apr 21, 2021 · Control person left · inference
- Universal Financial Services Inc. filed its initial SEC registration (Form ADV)Apr 21, 2021 · First SEC registration · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
- Website
- universallifepr.com/ULICOPortal/VIA.aspxreportedpublic record, Form ADV, Sep 17, 2026
- Principal office phone
- (787) 706-7095reportedpublic record, Form ADV, Feb 11, 2026
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
- Asset manager (funds and pooled vehicles)deriveda rule over Items 5.D and 7.A
- RAUM per advisor
- $325Mderivedfirm RAUM over the IAPD count; not a book size
- Loaded
- Sep 14, 2026