Universal Financial Advisors, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed August 10, 2026. Fees can change, so confirm with the firm before you hire them.

Flat or project fee

$1,000⁠-⁠$10,000

“These fees are negotiable but generally range from $1,000 to $10,000 on a fixed fee basis, depending upon the scope and complexity of the services and the professional rendering the financial planning and/or the consulting services.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Universal Financial Advisors, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

• “The terms and conditions of the financial planning and/or consulting engagement are set forth in the Advisory Agreement and we generally require one-half of the fee (estimated hourly or fixed) payable upon execution of the Advisory Agreement.”
• “The outstanding balance is generally due upon delivery of the financial plan or completion of the agreed upon services.”
• “The annual fee is prorated and charged quarterly, in arrears or in advance, based upon the method selected in the Advisory Agreement and the market value of the assets being managed by the IAR on the last day of the billing period.”

How Universal Financial Advisors, LLC’s fees compare

• Its flat or project fee of $1,000-$10,000 spans the Missouri median of $3,550. 65% of the 77 other Missouri planners that publish a flat or project fee charge less.
• 8 of the 13 other planners in St. Louis that publish a flat or project fee charge less.

About Universal Financial Advisors, LLC

• Principal: Brian C. Lock
• Firm size: 8 employees.
• Credentials named in the brochure: CFP®.
• Registered as an adviser: 2022 (4 years).

Firm details from Form ADV

How the firm is paid

Hourly fees, percentage of assets under management

Charges a % of assets

Yes

Clients

326

Employees

8

Works with

Individuals, high net worth individuals, charities, and businesses

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, and selecting other advisers

Assets managed

$277,496,642

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

318392

Website

universaladvisorsgroup.com (opens in new tab)

Phone

(314) 721-5522

Can advise clients in 7 states: California, Florida, Illinois, Missouri, North Carolina, Texas, Virginia

Other planners in St. Louis that publish fees

• Adk Wealth Advisory GroupSt. Louis$250⁠-⁠$4,000
• Aquilant AdvisorsSt. Louis$250/hr
• Cauble & Harre Wealth Management, Inc.St. Louis$10,000/yr
• Claris Advisors, LLCSt. Louis$500⁠-⁠$5,000
• Compton Advisors, LLCSt. Louis$500/qtr
• Cratero Capital LLCSt. Louis$100⁠-⁠$500/mo, $1,200⁠-⁠$6,000/yr

Compare all 44 planners in St. Louis