Grant H. Richars

UNIVERSAL FINANCIAL ADVISORS

ST. LOUIS, MO 63122

CRD#: 8015919

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Professional summary

Grant Hunter Richars, who also goes by Grant H Richars, is a registered financial advisor currently at UNIVERSAL FINANCIAL ADVISORS, LLC located in St. Louis, Missouri.

Grant is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2025. Grant has worked at 1 firm and has passed the Series 65 and SIE exams.

At a Glance

Always Fiduciary

Aliases

Grant H Richars

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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Grant Hunter Richars'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

October 15, 2025 - Present

UNIVERSAL FINANCIAL ADVISORS, LLC

Office #1: 333 S. Kirkwood Road Suite 301, St. Louis, MO 63122

RIA

CRD#: 318392

ST. LOUIS, MO

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".

UNIVERSAL FINANCIAL ADVISORS, LLC

UNIVERSAL FINANCIAL ADVISORS, LLC | UNIVERSAL FINANCIAL PLANNING CONSULTANTS, INC.

CRD#: 318392 / SEC#: 801-124991

RIA

Registered Investment Advisory firm - (5/11/2022 Approved)

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.

Highlighted states indicate IAR registrations

IAR

Missouri
(10/15/2025)

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.

Exams

State Security Law Exam

IAR

Series 65

Date: 10/1/2025

Uniform Investment Adviser Law Examination

General Industry/Product Exam

SIE

Date: 7/29/2025

Securities Industry Essentials Examination

Current Firm

UNIVERSAL FINANCIAL ADVISORS, LLC

UNIVERSAL FINANCIAL ADVISORS, LLC | UNIVERSAL FINANCIAL PLANNING CONSULTANTS, INC.

CRD#: 318392 / SEC#: 801-124991

RIA

Registered Investment Advisory firm - (5/11/2022 Approved)

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Contact information

Main Address

333 S. Kirkwood Road Suite 301, St. Louis, MO 63122

Mailing Address

Phone number

(314) 721-5522

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (4 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

UFA 2026 ANNUAL AMENDED WRAP FEE BROCHURE (3/16/2026)

UFA 2026 ANNUAL AMENDED ADV PART 2A (3/16/2026)

Regulatory assets under management

Total Number of Accounts	709
AUM (Assets Under Management)	$ 277,496,642

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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Grant H. Richars

Professional summary

At a Glance

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Grant Hunter Richars's CRS (Customer Relationship Summary).

Certified licenses

Experience

UNIVERSAL FINANCIAL ADVISORS, LLC

Primary Firm SEC Registration

UNIVERSAL FINANCIAL ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 10/1/2025

SIE

Date: 7/29/2025

Current Firm

UNIVERSAL FINANCIAL ADVISORS, LLC

Contact information

SEC notice filing (4 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

UNIVERSAL FINANCIAL ADVISORS, LLC

TRUST BUT VERIFY

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