AdvisorCheck - Find and Connect with Top Financial Advisors on Your Terms
Advisor Search
Why Advisor Check

We're Here To Help

AdvisorCheck empowers you to find, evaluate, and monitor financial advisors with confidence and clarity.

Advisor Monitoring

Financial advisor's situations can change, sometimes without notice. AdvisorCheck's Monitoring tool helps you avoid surprises and stay on top of your financial health.

Firm Stability Insights

The stability of your financial advisor's firm has a significant impact in the security and quality of service you receive. Our tool provides historical data and key insights over time to help you make informed, confident decisions.

Pricing
For Advisors
NM

Nancy I. Martinez-rivera

UNIVERSAL FINANCIAL SERVICES
Guaynabo, PR 00968
Some features on this profile are disabled
CRD#: 4659151
NM

Professional summary

Nancy Ivette Martinez-rivera, who also goes by Nancy I Martinez, Nancy I Martinez-rivera, Nancy I. Martinez-rivera, Nancy IVette Martinez-rivera, is a registered financial advisor currently at UNIVERSAL FINANCIAL SERVICES INC. located in Guaynabo, .

Nancy is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2003. Nancy has worked at 5 firms and has passed the Series 66, Series 99TO, SIE, Series 3, Series 7, Series 27, Series 24, Series 10 and Series 9 exams.

top-8-questions

Question & Answer

Are you a "fiduciary"?
Yes

Aliases

Nancy I Martinez | Nancy I Martinez-Rivera | Nancy I. Martinez-Rivera | Nancy Ivette Martinez-Rivera

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.
Dually employed since August 15, 2022 by Universal Life Insurance Company (ULICO) as Compliance Director, located at the same address, same premises as UFS. I devote a 30/70 ratio between UFS and ULICO, respectively. For ULICO, I review/approve transfer requests (rollovers, 1035 exchanges) by clients, run the OFAC ad hoc and monthly report and interact with the Operations Department on the day-to-day business.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Nancy Ivette Martinez-rivera's CRS (Customer Relationship Summary).

CRS (Client Relationship Summary) - BD

Click below to view Nancy Ivette Martinez-rivera'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

August 25, 2022 - Present

UNIVERSAL FINANCIAL SERVICES INC.

Office #1: Metro Office Park Calle 1 Lote 10, Guaynabo, PR 00968
RIA
BD
CRD#: 131558
Guaynabo, PR
Current

August 25, 2022 - Present

UNIVERSAL FINANCIAL SERVICES INC.

Office #1: Metro Office Park Calle 1 Lote 10, Guaynabo, PR 00968
RIA
BD
CRD#: 131558
Guaynabo, PR
Past

December 8, 2021 - August 19, 2022

CITIGROUP GLOBAL MARKETS INC.

RIA
CRD#: 7059
MIAMI, FL
Past

December 8, 2021 - August 19, 2022

CITIGROUP GLOBAL MARKETS INC.

BD
CRD#: 7059
MIAMI, FL
Past

February 20, 2020 - August 19, 2022

INSIGNEO INTERNATIONAL FINANCIAL SERVICES LLC

BD
CRD#: 17053
SAN JUAN, PR
Past

April 2, 2018 - January 7, 2020

UBS FINANCIAL SERVICES INC.

RIA
CRD#: 8174
SAN JUAN, PR
Past

October 17, 2017 - January 7, 2020

UBS FINANCIAL SERVICES INC.

BD
CRD#: 8174
SAN JUAN, PR
Past

December 12, 2014 - October 4, 2017

INSIGNEO INTERNATIONAL FINANCIAL SERVICES LLC

BD
CRD#: 17053
SAN JUAN, PR
Past

June 19, 2003 - November 10, 2014

UBS FINANCIAL SERVICES INC.

BD
CRD#: 8174
GUAYNABO, PR
Past

June 19, 2003 - November 12, 2014

UBS FINANCIAL SERVICES INCORPORATED OF PUERTO RICO

BD
CRD#: 13042
GUAYNABO, PR

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".
UF
UNIVERSAL FINANCIAL SERVICES INC.
UNIVERSAL FINANCIAL SERVICES INC.

CRD#: 131558 / SEC#: 801-121280, 8-66481

RIA
Registered Investment Advisory firm - SEC (5/21/2021 Approved)
BD
Broker-Dealer Firm Regulated by FINRA (Florida 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.
RR
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

RR
Puerto Rico
(8/25/2022)
IAR
Puerto Rico
(8/25/2022)

Exams

State Security Law Exam
RR
IAR
Series 66
Date: 3/31/2018
Uniform Combined State Law Examination
General Industry/Product Exam
RR
Series 99TO
Date: 1/2/2023
Operations Professional Examination
General Industry/Product Exam
RR
SIE
Date: 10/1/2018
Securities Industry Essentials Examination
General Industry/Product Exam
RR
Series 3
Date: 11/6/2008
National Commodity Futures Examination
General Industry/Product Exam
RR
Series 7
Date: 6/17/2003
General Securities Representative Examination
Principal/Supervisory Exam
RR
Series 27
Date: 6/17/2016
Financial and Operations Principal Examination
Principal/Supervisory Exam
RR
Series 24
Date: 4/4/2015
General Securities Principal Examination
Principal/Supervisory Exam
RR
Series 10
Date: 12/28/2005
General Securities Sales Supervisor - General Module Examination
Principal/Supervisory Exam
RR
Series 9
Date: 11/28/2005
General Securities Sales Supervisor - Options Module Examination
SRO Registrations
RR
FINRA

Current Firm

UF
UNIVERSAL FINANCIAL SERVICES INC.
UNIVERSAL FINANCIAL SERVICES INC.

CRD#: 131558 / SEC#: 801-121280, 8-66481

RIA
Registered Investment Advisory firm - SEC (5/21/2021 Approved)
BD
Broker-Dealer Firm Regulated by FINRA (Florida district office)
Upgrade to AdvisorCheck Premium
Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.
Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.
See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address
Calle 1 Lote 10 Calle 1 Lote 10, Guaynabo, PR 00968
Mailing Address
Po Box 2171, San Juan, PR 00922-2171
Phone number
(787) 706-7095
Established
Puerto Rico since 03/05/2004
Firm type
Corporation
Fiscal year end
December
Firm Size
Small
# of Employees
3

SEC notice filing (1 States and Territories)

Blank US states mapAlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWisconsinWest VirginiaWyoming

FINRA licenses (1 States and Territories)

Blank US states mapAlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWisconsinWest VirginiaWyoming

Documents

Customer Relationship Summary (CRS / FINRA)Latest Form ADV

Direct owners and executive officers

NamePositionCRD#
UNIVERSAL GROUP, INCOWNER
BENITEZ-ULMER, JOSE CARLOSEXECUTIVE REPRESENTATIVE, FINOP2919918
MARTINEZ-RIVERA, NANCY IVETTECHIEF COMPLIANCE OFFICER4659151
MIRANDA, MONIQUEDIRECTOR
RAMIREZ BERMUDEZ, OSVALDOCHIEF RISK OFFICER

Regulatory assets under management

Total Number of Accounts1
AUM (Assets Under Management)$ 337,465,712

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.

Company Information

UNIVERSAL FINANCIAL SERVICES INC.

CRD#: 131558Guaynabo, PR 00968

TRUST BUT VERIFY

Monitor Nancy Martinez-rivera

Get automatic monthly alerts on:
Job or Firm Moves
Licensing Changes
Client Complaints
New Red Flags
Contact Information Updates

Similar Advisors

MB
Matthew BorowitzAdvisorCheck Check Mark
NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC
PR
MILWAUKEE, WI
Ryan Michael Canfield
Ryan CanfieldAdvisorCheck Check Mark
LPL FINANCIAL LLC
IAR
RR
Enola, PA
Brian Todd Niemann
Brian NiemannAdvisorCheck Check Mark
LPL FINANCIAL LLC
IAR
RR
STILLWATER, MN
footer-logo
How We Help
Advisor Search
Find Advisors by State
Blog
Glossary
For Advisors
About Us
Help Center
Terms Of UsePrivacy PolicySubscription Policy
AdvisorCheck does not offer investment advice and should not replace discussions with professional accounting, tax, legal or financial advisors.
© 2025 AdvisorCheck, an AIMR Analytics company.
All rights reserved.
Powered ByAIRM Analytics