# UNIVERSAL FINANCIAL SERVICES INC.

UNIVERSAL FINANCIAL SERVICES INC. of GUAYNABO, PR is an SEC-registered investment adviser.

## Registration

- CRD: 131558
- Type: SEC-registered investment adviser
- SEC file number: 801-121280
- Location: METRO OFFICE PARK, CALLE 1 LOTE 10, GUAYNABO, PR, 00968
- Phone: (787) 706-7095
- Latest filing: 2026-02-11
- Regulatory AUM: $324.6M
- Discretionary AUM: $324.6M
- Clients: 3
- Accounts: 1

## Business model

- Compensation: % of AUM

## Officers, owners & control persons (16)

| Name | Role | Location |
| --- | --- | --- |
| Jose Carlos Benitez-Ulmer | EXECUTIVE REPRESENTATIVE, FINOP | — |
| Monique Miranda | CEO; DIRECTOR | — |
| Osvaldo Ramirez Bermudez | CHIEF RISK OFFICER | — |
| Nancy Ivette Martinez-Rivera | CHIEF COMPLIANCE OFFICER | — |
| MIRANDA LUIS BAUTISTA | CEO; DIRECTOR | — |
| BENITEZ JOSE CARLOS | EXECUTIVE REPRESENTATIVE & FINOP | — |
| MIRANDA MONIQUE | CEO; DIRECTOR | — |
| GAROFALO MEDINA JAVIER | CHIEF COMPLIANCE OFFICER | — |
| WEBB MILDRED CASSANDRA | CHIEF COMPLIANCE OFFICER | — |
| CRUZ CECILIA | DIRECTOR | — |
| VAZQUEZCOTTO RUBEN DARIO | AGENCY MANAGER | — |
| BENITEZ-ULMER JOSE CARLOS | EXECUTIVE REPRESENTATIVE, FINOP; EXECUTIVE REPRESENTATIVE, FINOP & CCO; EXECUTIVE REPRESENTATIVE, FINOP & CCO-BROKER DEALER | — |
| PASCUAL NAVARRO ALEJANDRO MIGUEL | CHIEF COMPLIANCE OFFICER | — |
| PREWITT MICHAEL E | CCO- REGISTERED INVESTMENT ADVISER | — |
| RAMIREZ BERMUDEZ OSVALDO | CCO-REGISTERED INVESTMENT ADVISER; CHIEF RISK OFFICER | — |
| MARTINEZ-RIVERA NANCY IVETTE | CHIEF COMPLIANCE OFFICER | — |


## Related pages

- Form ADV Part 2 brochure: https://search.stillhousedata.com/firm/131558/brochure
- Similar advisers: https://search.stillhousedata.com/firm/131558/similar
- Related entities: https://search.stillhousedata.com/firm/131558/related
- SEC IAPD (source of record): https://adviserinfo.sec.gov/firm/summary/131558

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Source: public SEC Form ADV data via Adviser Search (https://search.stillhousedata.com).
Agents: this data is also queryable via MCP tools and read-only SQL — see https://search.stillhousedata.com/llms.txt.