{"url":"https://nivawealth.com/firms/universal-financial-services-131558","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/131558","regulatoryAum":324554949,"crd":"131558","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4659151","suffix":null,"lastName":"Martinez-Rivera","firstName":"Nancy","middleName":"Ivette"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-21","regulatoryAum":0,"clients":0,"employees":8,"offices":1},{"filedOn":"2022-07-06","regulatoryAum":516996369,"clients":1,"employees":9,"offices":1},{"filedOn":"2023-02-09","regulatoryAum":396058105,"clients":1,"employees":3,"offices":1},{"filedOn":"2024-02-14","regulatoryAum":374368239,"clients":1,"employees":3,"offices":1},{"filedOn":"2025-03-06","regulatoryAum":338788469,"clients":1,"employees":3,"offices":1},{"filedOn":"2026-02-11","regulatoryAum":324554949,"clients":1,"employees":3,"offices":1}],"secFileNumber":"801-121280","legalName":"Universal Financial Services Inc.","displayName":"Universal Financial Services","slug":"universal-financial-services-131558","website":"https://universallifepr.com/","classification":{"segment":"registered_funds","segmentLabel":"Fund management","type":"fund_manager","typeLabel":"Mutual funds & ETFs","feeDisclosure":"payment_only"},"founded":null,"organization":"Puerto Rico corporation","fiscalYearEnd":"December","headquarters":{"street":"Metro Office Park, Calle 1 Lote 10","city":"Guaynabo","state":"PR","stateName":"Puerto Rico","country":"United States","postalCode":"00968"},"tradeNames":[],"registration":{"secApproved":"21 May 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":null,"staff":{"employees":3,"advisory":1,"brokerDealerReps":2,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":324554949,"discretionary":324554949,"discretionaryAccounts":1,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Investment companies","clients":1,"regulatoryAum":324554949}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[],"custodyNote":"Universal Financial Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Nancy Ivette Martinez-Rivera","title":"Chief Compliance Officer","crd":"4659151"},{"name":"Jose Carlos Benitez-Ulmer","title":"Executive Representative, FINOP","crd":"2919918"},{"name":"Monique Miranda","title":"Director","crd":""},{"name":"Osvaldo Ramirez Bermudez","title":"Chief Risk Officer","crd":""}],"ownership":[{"label":"Universal Group, Inc","detail":"Owner in the 75% or more ownership band and a control person, since March 2004."},{"label":"Monique Miranda","detail":"Indirect owner: a ceo of Universal Group, Inc in the 75% or more band and a control person, since January 2019.","parent":"Universal Group, Inc"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Puerto Rico","offices":1,"addresses":[{"street":"Metro Office Park, Calle 1 Lote 10","city":"Guaynabo","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"787-706-7095","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for investment companies"],"financialPlanningClients":"0","assetMix":[],"privateFunds":0},"sources":{"adv1FilingDate":"11 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/131558/PDF/131558.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Universal Financial Services have?","answer":"Universal Financial Services has 1 client and manages $325 million for them, as of February 2026. They include 1 investment company.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Universal Financial Services offer?","answer":"Universal Financial Services provides portfolio management for investment companies.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How many financial advisors does Universal Financial Services have?","answer":"Universal Financial Services has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Universal Financial Services?","answer":"Universal Financial Services is owned through a holding company by Monique Miranda. Its direct owner is Universal Group, Inc (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Universal Financial Services get paid?","answer":"Universal Financial Services is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Universal Financial Services?","answer":"Universal Financial Services’ main office is at Metro Office Park, Calle 1 Lote 10, Guaynabo, PR 00968. Its phone number is 787-706-7095. Its website is universallifepr.com.","source":"Form ADV Part 1A, Item 1.F, filed 11 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}