# Grant Richars

> Grant Richars is a fee-only financial advisor at Universal Financial Advisors in St. Louis, Missouri. Universal Financial Advisors reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/grant-richars/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Universal Financial Advisors
- **Based in:** St. Louis, Missouri
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $277.5M across 709 accounts
- **CRD:** 8015919 (https://adviserinfo.sec.gov/individual/summary/8015919)
- **SEC registration:** Investment adviser representative in MO
- **Exams passed:** Series 65 (2025)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** https://www.universaladvisorsgroup.com/

## Frequently asked questions

### Is Grant Richars a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Grant holds no broker registration, and Universal Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Grant charge for financial advice?

Grant's firm, Universal Financial Advisors, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Grant Richars based?

Grant Richars is based in St. Louis, Missouri.

### Is Grant Richars registered with the SEC?

Yes. Grant Richars is registered as an investment adviser representative in MO (CRD 8015919), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Universal Financial Advisors manage?

Universal Financial Advisors reports $277.5M across 709 accounts in assets under management.

### How do I contact Grant Richars?

Through Grant's website, www.universaladvisorsgroup.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8015919): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.