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UCMW Disclosure

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The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

Universal Capital Financial Center, Inc. d.b.a. Universal Capital Wealth Management (“UCWM”) is registered as an investment adviser with the State of California Department of Financial Protection and Innovation (“DFPI”); however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Past performance does not guarantee future returns. This is being provided for informational purposes only and should not be considered investment or financial planning advice or a recommendation to buy or sell any securities. No investment decisions should be made solely on the information provided. The views expressed herein are as of the date the information is provided and are subject to change without notice. Any forward-looking statements or forecasts are based on assumptions and actual results are expected to vary. As a registered investment adviser, UCWM does not charge commissions however, an asset-based management fee is assessed for investment management. Please see our Form ADV for details. Our Form ADV is available on request by emailing to While UCWM has used reasonable efforts to obtain information from reliable sources, we make no representations or warranties as to the accuracy, reliability or completeness of any third-party information presented herein. No guarantee of investment performance is being provided and no inference to the contrary should be made. Investing in securities is speculative in nature and involves substantial risk of loss. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Any links to third party sites are being provided as a convenience only and such provision does not imply that UCWM or any of our employees, officers, or directors endorse, sponsor, approve, or guarantee any content on the third-party website. Additional information regarding UCWM can be found on the Securities and Exchange Commission web site

Investment advisory services are currently only available to residents of the state of California. We provide this information with the understanding that we are not engaged in rendering legal, accounting, or tax services. We recommend that all investors seek out the services of competent professionals in any of the aforementioned areas. Information contained herein is for informational and illustrative purposes only and should not be considered investment advice. The information contained within this website was carefully compiled from sources UCWM believes to be reliable, but we cannot guarantee accuracy. In particular, none of the examples should be considered advice tailored to the needs of any specific investor. With respect to the description of any investment strategies, simulations, or investment recommendations, we cannot provide any assurances that they will perform as expected and as described in our materials. Past performance is not indicative of future results. Every investment program has the potential for loss as well as gain. There is a risk of loss from an investment in securities, including the risk of loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable or suitable for a particular investor's financial situation or risk tolerance. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. To the extent you have any questions regarding the applicability of any specific issue related to UCWM’s investment advisory services, you are encouraged to professionally engage UCWM’s advisors. A copy of UCWM’s current Brochure and Wrap Brochure Appendices for the Prime Advisory and Prime Intelligent Portfolio Wrap Fee Programs discussing our advisory services and fees are available for review upon request or at

Any forward-looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. The assumptions and projections displayed are estimates, hypothetical in nature, and meant to serve solely as a guideline. The results and analysis are not guaranteeing of future results because they are derived from mathematical modeling techniques of the economic and financial markets that may or may not reflect actual conditions and events. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision.

There are different costs associated with different types of securities and investors may be responsible for paying fees separate and distinct from those paid to UCWM to invest in such securities. Importantly, the fees specific to what UCWM charges do not include certain fees and charges imposed by third parties such as custodial fees, mutual fund fees and expenses.

UCWM sponsors and manages two wrap fee programs, the Prime Advisory Portfolio and Prime
Intelligent Portfolio Programs, where the client pays one fee for both investment advisory services and the transaction costs and UCWM pays the custodial broker/dealer a portion of the fees to cover the transaction costs. UCWM will place a client in wrap fee account when the account is an actively traded account helping to defray the transaction costs.

A Wrap Fee Program is an investment advisory program in which Clients pay one fee for both
investment advisory services and the transaction costs in the account(s). The fee is bundled with UCMW’s costs for executing transactions in the account(s). This results in a higher advisory fee to the Client. UCWM does not charge Clients higher advisory fees based on the trading activity, but Clients should be aware that Universal Capital Wealth Management has an incentive to limit the trading activities in the account(s) because UCWM is charged for executed trades. By participating in a wrap fee program, Clients will end up paying more or less than they would through a non-wrap fee program where a lower advisory fee is charged, but trade execution costs are passed directly through to the Client by the executing broker. For more passively traded accounts, a wrap fee account would normally not be advantageous to the client.

The Program Fee is not based directly upon the actual transaction or execution costs for the transactions within the account(s). Depending on the underlying investments in the Program and how much trading activity occurs, Clients will pay more or less than if they chose another advisory program that does not have a wrap fee, or if Clients chose to pay separately for all of the transaction costs (e.g., pay the advisory fee plus all transaction charges). Although UCWM believes its fees are competitive, Clients are hereby advised that lower fees for comparable services are available from other sources.

UCWM offers it Prime Intelligent Portfolio Program through Schwab Intelligent Portfolios®, sponsored by Charles Schwab & Co., Inc. (“Schwab”). Schwab provides administration and related services for the Program. Charles Schwab Investment Advisory, Inc. (“CSIA”), an affiliate of Schwab, provides portfolio management services. UCWM is independent of and not owned by, affiliated with, sponsored by or supervised by Schwab Intelligent Portfolios®, CSIA, or Schwab. The CSIA platform is described in detail in the Schwab Intelligent Portfolios® Disclosure Brochure (the “Disclosure Brochure”), which is delivered to clients by CSIA during the online enrollment process. UCWM only provides investment advice with respect to those investments currently available on the available platforms. Clients are not able to impose restrictions on investing in certain types of securities. Clients will not be allowed to make trades in their Schwab Intelligent Portfolios® account.

UCWM’s clients’ assets can also be subject to asset-based transaction fees, brokerage fees and
commissions, retirement plan administration fees (if applicable), deferred sales charges on mutual funds, 12b-1 fees, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on custodial accounts and securities transactions. For mutual fund and exchange traded fund (“ETFs”) investments, investors are charged internal management fees, distribution fees and other expenses, which are described in each fund's prospectus.

All custodial fees and any other charges, fees and commissions incurred in connection with transactions for a UCWM client’s account are generally paid out of the assets in their managed account and are in addition to the investment management fees charged by UCWM. Notably, neither UCWM nor any of its associated persons receive any portion of the third-party fees. Investors should consider all fees that may be charged to their account and also understand that lower fees for comparable services may be available from other investment advisory firms.

Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering, and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.

Your Personal Website is offered to you through eMoney Wealth Management System as an optional service to help access your account information only. No trading, asset allocation changes, beneficiary changes or any account related additions or changes can be done on your personal website. It’s a read only option to view your account holdings and values.

The eMoney Wealth Management System (the Service) is made available to you by Universal Capital Financial Center, Inc. dba Universal Capital Wealth Management (“UCWM”), through our relationship with eMoney Advisor, LLC (eMoney), from whom we license the eMoney EMX Pro software we use for financial planning services.

However, your use of the Service is governed by the eMoney Terms of Service entered into by and between eMoney and you when you first logged in to the Service. While UCWM believes that the Service is reliable, UCWM does not guarantee that it is accurate, complete or current, and is not responsible for any loss caused or alleged to be caused directly or indirectly by use of the Service. In addition to the Terms of Service, please read the material under Security, Privacy Policy and Disclaimer below, all of which provide important eMoney information about the Service.

If you use the Service to complete a financial profile, aggregate account information or otherwise provide financial information, please note that we would need to complete additional documentation with you before we could provide any financial planning services.
To receive a copy of Prime Intelligent Portfolio Program’s brochure and firm ADV, please email to