Universal Healthcare / Wealth Management,

Universal Wealth Management was founded in January 2007. Karen Emma, President, has chosen to form an independent business, which provides financial services, investment management and insurance services. Separately, Karen Emma is a registered representative with Royal Alliance Associates, Inc., a leading independent, full service broker-dealer and member of FINRA and SIPC. Our primary goal at Universal Wealth Management is to offer you, our clients, sound financial and investment advice without the corporate pressure to sell one or more proprietary products. This will allow us to work more closely in our client and advisor relationship to best help accomplish your long-term financial goals. The best way for us to accomplish this is by affiliating with a quality firm whose mission is to service and support independent advisors like myself in order to help us formulate the best overall investment platform to support our clients’ needs. At Universal Wealth Management, we will continue to offer an extensive range of investment products and services as well as life, disability, health, Medicare, and long-term care insurance. As always, the basis of our investment and insurance recommendations will be grounded in your financial goals. Our mission is to be able to expand our planning capabilities and enhance the quality of our clients’ service experience overall. Mission Statement Our mission at Universal Wealth Management is to help you and your family gain the financial freedom you deserve to achieve your goals through the many major life transitions. Broker Dealer Disclosure: Securities, Insurance, and Investment advisory services offered through Royal Alliance Associates, Inc. Member FINRA/SIPC and a registered investment advisor. Additional insurance services offered through Universal Wealth Management, LLC. which is not affiliated with Royal Alliance Associates, Inc. www.royalalliance.com/disclosures/socialmedia/ www.finra.org www.sipc.org