Our Team
Experienced in Healthcare, Medicare, and Social Security.
Karen Emma
Universal Healthcare | Universal Wealth Management
President | Founding Partner
Registered Financial Advisor | Independent Insurance Broker
Medicare | Social Security Insurance Specialist
401-331-7600
401-331-7800
For 20 years, Karen has been a successful Wealth Management leader, providing personalized investment advice to clients. After graduating from Brown University with degrees in Business, Entrepreneurship, and Psychology, Karen began her finance career providing tailored investment advice for Smith Barney. After nearly a decade with the company, Karen went off on her own and launched Universal Wealth Management, LLC. Karen successfully provides personal, family, business, estate, healthcare, and career financial advice and management to more than 500 households and manages in excess of $250 million in assets. Additionally, Karen is a registered representative with Osaic Wealth, Inc., a prominent independent, full-service broker-dealer.
Karen has a proven track record for providing sound financial guidance to her clients through many major life transitions in areas including Social Security, understanding the complexities of all aspects of Medicare (Individuals and Businesses), Prescription Drug Coverage, and Individual and Group Health Care Plans. She recently authored “Medicare Untangled.” The book, which will be published in spring 2019, simplifies the complex world of Social Security and Medicare.
Karen’s accomplishments have not gone unnoticed. In 2017, she was honored as one of the top businesswomen in Rhode Island by Providence Business News. Her drive as a businesswoman stems from her competitive nature as a former standout athlete. A rare two-sport student-athlete at Boston College and Brown University, Karen excelled in both women’s hockey and softball. As a senior at Brown, Karen had the unique distinction of winning both ECAC and Ivy League titles in hockey (22-0-0 ECAC and 10-0-0 in Ivy) and capturing the Ivy League Softball Championship. She also was a member of the United States Olympic Hockey Development Program.
She currently coaches both youth hockey and baseball and formerly served as the head hockey coach of her alma mater, St. Mary Academy Bay View. Under Karen’s direction, BV won three state championships and was the state runner-ups four times. Karen had been honored as the R.I. Schoolgirl Coach of the Year and has been inducted in Bay View’s Athletic Hall of Fame. The RI Interscholastic League honored Karen’s accomplishments by naming the top hockey division – The Emma Division. Karen resides in Cranston, RI with her son Edward L. Walsh III
**The 2019 Business Women Awards is presented by Providence Business News (PBN). Recipients are nominated in a number of industry categories. Winners are selected by the staff of PBN.
Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. **
Kaitlyn Miller
Universal Healthcare | Universal Wealth Management
Registered Financial Advisor | Independent Insurance Broker
Medicare | Social Security Insurance Specialist
401-331-7600 ext. 6
401-331-7800
Kaitlyn has been an integral part of the Universal Healthcare Team in various capacities for nearly a dozen years. A graduate of Bryant University where she received her Bachelor of Science Degree in Business Administration with a dual concentration in Management and Entrepreneurship. Kaitlyn directly works with healthcare clients focusing on Social Security benefits, Medicare and Medicaid Planning, Individual Life and Health Insurance Planning, as well as Small and Large Group Business Insurance Planning. Additionally, Kaitlyn has continued to help coordinate and execute many of UWM’s healthcare events, including Social Security, Medicare, and the “Medicare Untangled” series.
Kaitlyn resides in Cranston, RI with her fiancé and daughters, Analeiah and Aurora.
Joseph Goddard
Universal Healthcare | Universal Wealth Management
Registered Administrative Assistant | Independent Insurance Broker
Medicare | Social Security Insurance Specialist
401-331-7600
401-331-7800
An experienced insurance specialist, Joe focuses on Social Security benefits, Medicare, Medicaid Planning, Individual Life and Health Insurance Planning, long-term care insurance, as well as Small and Large Group Business Insurance Planning.
Joe provides responsive client-focused representation of core insurance products, life insurance, Medicare products and annuities. He achieves short and long range client objectives by merging insurance knowledge and relationship knowledge and communication skills to provide the best possible recommendation for his clients..
A graduate of Bryant University where he earned a Bachelor of Science degree in management, Joe analyzes financial and personal data to support strategic insurance planning and recommendations. He represents a suite of insurance products for a variety of clients and is successful in finding the proper life, health and long-term care insurance contracts to support each individual’s needs. Joe is an expert in analyzing life and long-term care policies in an effort to create security for his clients when the unexpected may occur.
A former ice hockey coach, Joe served as the assistant at St. Mary Academy Bay View. Under Joe’s guidance, BV won three state championships and was the state runner-ups four times.
An accomplished triathlete, Joe has successfully completed the Mont-Tremblant Ironman and Ironman 70.3 Providence.
Joe resides in Cumberland, RI with his two children, Sophie and Evan.
Cindy Bailey
Universal Wealth Management
Administrative Assistant to Karen Emma, President
401-331-7600 ext. 5
401-331-7800
An Administrative Assistant of Universal Wealth Management, LLC, Cindy has more than 25 years of experience working in the finance industry. Prior to joining Universal Wealth Management, LLC in 2015, Cindy served as the controller for Insignia Real Estate Companies, LLC. Her responsibilities included property management, accounting, and bookkeeping.
At UWM, Cindy’s responsibilities include customer service, handling account opening, deposits, checks, wire transfers, IRA distributions, journal transfers, online web access, general account questions and correspondence, bookkeeping, accounting, office/property management, and more.
Cindy is a graduate of the Community College of Rhode Island where she received her Associate’s Degree in Accounting. She resides in West Warwick, RI with her husband, Gene. Her hobbies include mystery shopping and gardening.
*Not registered with Osaic Wealth, Inc.
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Securities and Investment Advisory Services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Additional insurance services Universal Healthcare / Universal Wealth Management, LLC.
For More Information on our Securities, Investment Related Services and Advisory Services, Visit www.universalwm.com
*Securities and Investment Advisory Services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Additional insurance services Universal Healthcare / Universal Wealth Management, LLC.
Neither Osaic Wealth, Inc., nor its representatives or employees provide legal, tax or accounting services.
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