Universal Financial Advisors, Llc
- Regulatory AUM
- $277M
- Discretionary
- $277M
- Clients
- 331
- Avg AUM / client
- $838K
- Accounts
- 709
- Employees
- 8
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Aug 10, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 257 | $78.4M | 28.2% |
| High net worth individuals | 69 | $198M | 71.4% |
| Charitable organizations | 2 | $821K | 0.3% |
| Corporations and other businesses | 3 | $254K | 0.09% |
People (10)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Brian Christopher Lock | Chief Compliance Officer/Member/Principal | CFP | Dec 2021 (5y) | Less than 5% |
| 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 | Dec 2024 (2y) | 50% – 75% | |
| Susan Rene Sommer | Registered representative | CFP | Aug 2022 (4y) | |
| William Bernard Albair | Registered representative | Aug 2022 (4y) | ||
| Gregory John Wozniak | Registered representative | Aug 2022 (4y) | ||
| Anna Marie Meurer | Registered representative | CFP Chartered Financial Consultant | Aug 2023 (3y) | |
| Anthony Dwayne Rich | Registered representative | Sep 2024 (2y) | ||
| Grant Hunter Richars | Registered representative | Oct 2025 (1y) | ||
| Corey Jay Myers | Registered representative | Dec 2025 (1y) | ||
| Stephanie Louise Longanecker | Registered representative | May 2026 (0y) |
Entity owners (Schedule A/B)
| Entity | Title / status | Since | Sch. | Ownership |
|---|---|---|---|---|
| Brian C. Lock Tod Brian C. Lock And Ashley B. Lock Revocable Qualified Spousal Trust Dated 10/7/2016 | Owner | Dec 2024 | A | 75% or more |
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 05/28/2026 | 1020 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
- • Hourly charges
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Portfolio management for businesses/institutional clients
- • Selection of other advisers
Custody
Reported custodians
- Charles Schwab & Co. $277M (100% of AUM) May 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Aug 10, 2026.
View current Form ADV (SEC/IAPD) ↗