About Us

Protecting Your Wealth for Future Generations

Protecting Your Wealth for Future Generations

Universal Capital Wealth Management offers financial planning and portfolio management services with a full range of financial products and services for over twenty years.  We help our clients work towards achieving specific financial goals that will also provide for future generations.

Through our comprehensive strategic planning, we will help you navigate the complexities of estate taxes, asset preservation, and wealth transfer strategies. Our goal is to empower you with the knowledge and tools necessary to make informed decisions and leave a lasting legacy for your loved ones.

Choosing the right partner to protect and manage your wealth is crucial. With our extensive background and expertise, we have helped numerous clients achieve their financial goals and establish a solid foundation for their legacy. Our comprehensive approach combines a deep understanding of financial markets, tax management strategies, and estate planning techniques to create customized solutions tailored to your unique circumstances.

Financial Planning Team

Financial Planning Team

Planning can be easier with teamwork.  Our team has many years of experience in financial planning, utilizing tools, processes and strategies to help you make clear plans and decisions for a secure financial future.

Setting out to create a plan that will take you into the future can be a daunting task – but it doesn’t have to be. Using sophisticated planning software, our planning team can guide you step-by-step as you:

  • Get your finances organized
  • Identify and prioritize all of your financial goals
  • Estimate your total money needed for retirement
  • Track your current progress toward your goals
  • Choose how much to save and where to put it
  • Identify potential tax-savings strategies
  • Optimize your Social Security and pension benefits
  • Create a withdrawal strategy to make your money last longer
  • Make sure those who depend on you still have income after you’re gone
  • Help you leave a legacy and pass on what you’ve built

After your financial plan has been created, we will be available to meet with you periodically to review it and to help you make any needed adjustments to stay on track.

Investment Advisory Team

Our team has access to various tools that can help build an appropriate investment portfolio, which may include stocks, bonds, mutual funds, exchange-traded funds and other investment vehicles. 

Advisor-Directed Program

Our Advisor-Directed Program puts your financial advisor at the helm of your portfolio. Your advisor will use select industry resources to develop personalized asset allocation models, conduct investment research and provide investment recommendations. Ongoing monitoring can help your portfolio remain aligned with your specific strategy in response to market conditions. An advisor-directed program gives you access to an array of investment options, including mutual funds, stocks, bonds, exchange-traded funds and more.

Joe Dermenjian

Wealth Advisor

As the founder and Chief Executive Officer of Universal Capital Wealth Management, I have dedicated my career to helping real people grow, protect, and transfer their wealth. With a deep understanding of my clients' investment goals and unique needs, I provide comprehensive financial planning and portfolio management services tailored to their specific circumstances.

My experience extends beyond working with individuals. I also have extensive expertise in managing endowment funds for non-profit organizations, and conducting educational seminars for Continuing Professional Education (CPE) for CPAs and accountants, sharing my knowledge and insights to empower professionals in their financial practice

I earned my Master of Business Administration (MBA) from Pepperdine University in 1987 and hold the prestigious Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning. My journey in the financial industry began in 1990 when I started my career as a financial consultant at Shearson Lehman Brothers. During my time there, I provided comprehensive financial advice to business owners and high-net-worth families. I am a Registered Investment Advisor and hold FINRA Series 7, 24, and 65 designations.

I have also had the privilege of being featured on prominent business channels, including CNBC, CNN, and FOX News. Additionally, I hosted a financial television program where I provided live financial education and market insights to viewers.