Karen M. Emma

OSAIC WEALTH

Cranston, RI 02910

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CRD#: 4051573

Professional summary

Karen Marie Emma, who also goes by Karen Emma Walsh, is a registered financial advisor currently at OSAIC WEALTH, INC. located in Cranston, Rhode Island.

Karen is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1999. Karen has worked at 2 firms and has passed the Series 65, Series 63, SIE, Series 31 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Karen Emma Walsh

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1) KAREN EMMA, UNIVERSAL HEALTHCARE / UNIVERSAL WEALTH MANAGEMENT, LLC POSITION: Insurance Producer NATURE: Universal Healthcare / Universal Wealth Mangement, LLCInvestments, Insurance, PlanningTraditional Insurance SalesLife, Health/Medicare, Annuities Insurance Agency INVESTMENT RELATED: Yes NUMBER OF HOURS: 80 SECURITIES TRADING HOURS: 10 START DATE: 01/10/2007 ADDRESS: 945 Reservoir Avenue, Cranston RI 02910, United States DESCRIPTION: Individual and Group Life and Health Insurance,Individual and Group Medicare Broker SpecialistTraditional Insurance Broker/Specialist 2) KAREN EMMA POSITION: notary public NATURE: notary public INVESTMENT RELATED: No NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 1 START DATE: 03/23/2012 ADDRESS: Universal Wealth Management, 945 Reservoir Avenue, Cranston RI 02910, United States DESCRIPTION: My duties are only to notarize paperwork when necessary. 4) UNIVERSAL WEALTH MANAGEMENT, LLC POSITION: President / Founding Partner NATURE: Sole Proprietorship, LLC, Insurance Agency INVESTMENT RELATED: Yes NUMBER OF HOURS: 40 SECURITIES TRADING HOURS: 40 START DATE: 01/10/2007 ADDRESS: 945 Reservoir Avenue, Cranston RI 02910, United States DESCRIPTION: UNIVERSAL WEALTH MANAGEMENT IS MY LLC THAT WAS SET UP AS THE BUSINESS NAME FOR MY BUSINESS HERE AT ROYAL ALLIANCE. THIS IS ONLY FOR NAME PURPOSED OF MY LLC AND FUNDS FLOW INTO THE UNIVERSAL WEALTH MANAGEMENT LLC FROM ROYAL ALLIANCE. 5) KEW REALTY POSITION: President NATURE: KEW Realty is currently a Sole Proprietorship for Karen Emma and is solely rental property for Karen Emma in property located at 945 Reservoir Avenue, Cranston, RI 02910 INVESTMENT RELATED: Yes NUMBER OF HOURS: 5 SECURITIES TRADING HOURS: 5 START DATE: 01/01/2021 ADDRESS: 945 Reservoir Avenue, Cranston RI 02910, United States DESCRIPTION: KEW Realty is established as Karen Emma, President for rental property currently at 945 Reservoir Avenue, Cranston, RI 02910

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Karen Marie Emma's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

CRS (Client Relationship Summary) - BD

Click below to view Karen Marie Emma's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

January 16, 2007 - Present

OSAIC WEALTH, INC.

Office #1: 945 Reservoir Avenue, Cranston, RI 02910

RIA

CRD#: 23131

Cranston, RI

Current

January 12, 2007 - Present

OSAIC WEALTH, INC.

Office #1: 945 Reservoir Avenue, Cranston, RI 02910

RIA

CRD#: 23131

Cranston, RI

Past

February 8, 2000 - January 25, 2007

CITIGROUP GLOBAL MARKETS INC.

RIA

CRD#: 7059

PROVIDENCE, RI

Past

December 9, 1999 - January 25, 2007

CITIGROUP GLOBAL MARKETS INC.

CRD#: 7059

PROVIDENCE, RI

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

OSAIC WEALTH, INC.

CRD#: 23131 / SEC#: 801-54859, 8-40218

RIA

Registered Investment Advisory firm - SEC (9/10/1997 Approved)

Broker-Dealer Firm Regulated by FINRA (Denver district office)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Colorado
(3/7/2012)

Connecticut
(1/12/2007)

IAR

Connecticut
(10/13/2021)

Delaware
(1/10/2017)

Florida
(1/12/2007)

IAR

Florida
(6/4/2024)

Illinois
(5/24/2013)

Indiana
(12/6/2016)

IAR

Indiana
(12/8/2016)

Massachusetts
(1/12/2007)

IAR

Massachusetts
(5/8/2012)

Michigan
(10/15/2021)

Minnesota
(4/7/2022)

New Hampshire
(1/12/2007)

New Jersey
(1/12/2007)

New York
(1/12/2007)

North Carolina
(9/19/2024)

Ohio
(9/11/2009)

IAR

Ohio
(1/30/2012)

Oregon
(10/27/2021)

Pennsylvania
(7/23/2010)

IAR

Pennsylvania
(10/13/2021)

Rhode Island
(1/12/2007)

IAR

Rhode Island
(1/16/2007)

South Carolina
(12/15/2021)

IAR

South Carolina
(12/15/2021)

Tennessee
(5/8/2019)

Texas
(2/3/2017)

IAR

Texas
(2/3/2017)

Vermont
(10/14/2021)

Virginia
(9/23/2009)

Wisconsin
(1/12/2007)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 65

Date: 12/22/1999

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 12/14/1999

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 31

Date: 2/17/2004

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 12/8/1999

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

OSAIC WEALTH, INC.

CRD#: 23131 / SEC#: 801-54859, 8-40218

RIA

Registered Investment Advisory firm - SEC (9/10/1997 Approved)

Broker-Dealer Firm Regulated by FINRA (Denver district office)

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Contact information

Main Address

18700 N. Hayden Road Suite 255, Scottsdale, AZ 85255

Mailing Address

18700 N. Hayden Road Suite 255, Scottsdale, AZ 85255

Phone number

(800) 821-5100

Established

Delaware since 08/05/1988

Firm type

Corporation

Fiscal year end

December

Firm Size

Large

# of Employees

8,717

SEC notice filing (53 States and Territories)

FINRA licenses (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Customer Relationship Summary (CRS / FINRA)

Latest Form ADV

Part 2 Brochures

OSAIC WEALTH, INC ADV PART 2A (10/20/2025)

SIGNATOR MANAGED ACCOUNT PLATFORM (3/31/2025)

Direct owners and executive officers

Name	Position	CRD#
OSAIC, INC.	SHAREHOLDER
CORNICK, GREGORY ALLEN	CEO, PRESIDENT, DIRECTOR	3132991
FORD, ERINN JUNE	DIRECTOR	2176816
MIHAL, SHAWN MICHAEL	SVP, CHIEF COMPLIANCE OFFICER	3262384
MITCHELL, CHRISTOPHER MILLS	CORPORATE TREASURER, FINANCIAL PRINCIPAL	2420144
PRICE, JAMES DALE	CHAIRMAN	1243224
SCHLUETER, MATTHEW ADAM	EVP, OPERATIONS AND TECHNOLOGY SOLUTIONS, DIRECTOR	2627931

Regulatory assets under management

Total Number of Accounts	797,559
AUM (Assets Under Management)	$ 200,266,275,275

Disclosures

Regulatory Event	50
Arbitration	31
Bond	7

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
11/14/2025	Cover Page	Report
12/18/2024	Cover Page	Report
01/26/2024	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Karen M. Emma

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Karen Marie Emma's CRS (Customer Relationship Summary).

CRS (Client Relationship Summary) - BD

Click below to view Karen Marie Emma's CRS (Customer Relationship Summary).

Certified licenses

Experience

OSAIC WEALTH, INC.

CITIGROUP GLOBAL MARKETS INC.

CITIGROUP GLOBAL MARKETS INC.

Primary Firm SEC Registration

OSAIC WEALTH, INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 12/22/1999

Series 63

Date: 12/14/1999

SIE

Date: 10/1/2018

Series 31

Date: 2/17/2004

Series 7

Date: 12/8/1999

FINRA

Current Firm

OSAIC WEALTH, INC.

Contact information

SEC notice filing (53 States and Territories)

FINRA licenses (53 States and Territories)

Documents

Part 2 Brochures

Direct owners and executive officers

Regulatory assets under management

Disclosures

Accountant surprise examination report

Red Flags

Company Information

OSAIC WEALTH, INC.

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