Our Team

Experienced in Healthcare, Medicare, and Social Security.

Karen Emma

Universal Wealth Management | President | Founding Partner

GCU Wealth Advisors | Managing Director

Registered Financial Advisor | Independent Insurance Agent


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 Royal Alliance Associates, 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. **


Stephen Volpe

Universal Wealth Management | GCU Wealth Advisors

Managing Director of New Business

Located at: Greenwood Credit Union, 2669 Post Road, Warwick, RI 02886


A veteran executive with nearly 30 years of experience, Stephen is well versed and accomplished in all aspects of the financial services industry.

Additionally, Stephen is a registered representative with Royal Alliance Associates, Inc., a prominent independent, full-service broker-dealer.

Stephen has a proven track record for providing sound financial guidance to his members. Prior to joining Universal Wealth Management/Greenwood Credit Union/ GCU Wealth Advisors, Stephen served as a Senior Investment Advisory/Senior Vice President at Santander. Stephen’s primary responsibilities included managing financial portfolios, analyzing existing financial and retirement planning, and providing recommendations including stocks, bonds, mutual funds, life insurance, annuities, long-term care, and more.

While at Santander. Stephen served on the Executive Council to assist in the development of new products and was elected to serve on the President’s Council in an effort to improve programs and elevate the company. Stephen has also recruited, trained, and developed numerous associate financial consultants throughout his many years in the financial industry.

A graduate of the University of Rhode Island, Stephen resides in Cranston, RI.

Registered Financial Advisor
Series, 6, 7, 63, 65, 24 Security Licenses


Kaitlyn Miller

Universal Wealth Management |  GCU Wealth Advisors

Director of Healthcare

401-331-7600 ext. 6

Kaitlyn has been an integral part of the Universal Wealth Management 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’s primary focus is Universal Wealth Management’s healthcare division. As the director of UWM’s growing healthcare division, Kaitlyn oversees all of UWM’s agents and their clients. 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, she coordinates and executes all of UWM’s healthcare events, including Social Security, Medicare, and the “Medicare Untangled” series. In 2018, Kaitlyn produced more than 65 events during the Medicare Open Enrollment Period. On UWM’s financial side, Kaitlyn serves as a direct assistant to President and CEO Karen Emma. Kaitlyn is currently pursuing her Series 7 and Series 66.

Kaitlyn resides in Cranston, RI with her fiancé and daughters, Analeiah and Aurora.


Robbie Mann

Empire Financial | Founder

Financial Advisor


An Independent Consultant and Financial Advisor within Universal Wealth Management, Robbie Mann has been a longtime partner of the company’s President and Founder Karen Emma.

Robbie Mann is a registered representative with Royal Alliance Associates, Inc.

For more than 35 years, Robbie has served as a stockbroker and has provided personalized advice to his investors. After gaining extensive experience working with two major national brokerage firms, Drexel Burnham Lambert and Smith Barney at the start of his career, in 2006 Robbie went on to open Empire Financial Management in partnership with Universal Wealth Management. He guides his clients toward making well-informed financial decisions that suit their individual needs and goals.

A native of Providence and graduate of Case Western Reserve University with a Bachelor of Science in accounting, Robbie worked at Price Waterhouse and Hasbro, Inc. before entering the financial services industry.

Robbie sits on the Board of Trustees of the American Jewish Joint Distribution Committee in New York. He also offers extensive involvement in his community. As chair of the Budget and Finance Committee and member of the Board of Overseers at Moses Brown School, Robbie offers his professional advice to help the school reach its financial goals. Robbie is also a past President of the Jewish Federation of Rhode Island.


Joseph Goddard

Registered Administrative Assistant

Insurance Specialist


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

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 Royal Alliance Associates, Inc.