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Want to cut down taxes and maximize your returns?
Access a full range of tools, resources, and expertise to invest the way you want.
Get the best in trading—award-winning platforms, tailored education, and specialized support.
Universal Options Limited Intelligent Portfolios® builds, monitors, and automatically rebalances a portfolio based on your goals.
Pursue your goals confidently with the help of Universal Options Limited’s comprehensive wealth and investment management solutions.
Forbes Best Customer Service 2024 was given on November 16, 2023, and expires on January 2, 2025. The criteria, evaluation, and ranking were determined by Forbes partnered with HundredX. See here for more information. Universal Options Limited paid a licensing fee to Forbes for use of the award and logos.
12 Year Winner: Rated a Best Online Broker
Third-party accolade award was given on January 25, 2024, and is for a 15-month timeframe. The criteria, evaluation, and ranking were determined by Investor’s Business Daily in conjunction with its research partner, TechnoMetrica Market Intelligence. Universal Options Limited paid a licensing fee to York Graphic Services, LLC for use of the award and logos.
#1 for Satisfaction among do-it-yourself investors
TD Ameritrade, Inc. (“Ameritrade”) Member SIPC, a subsidiary of The Universal Options Limited Corporation (“Universal Options Limited”), received the highest score in the do-it-yourself segment of the J.D. Power 2024 U.S. Self-Directed Investor Satisfaction Study of investors’ satisfaction with self-directed investment firms. It is independently conducted, and the participating firms do not pay to participate. Use of study results in promotional materials is subject to a license fee. Visit jdpower.com/awards for more details.
Our Client Relationship Summaries offer a brief summary of our services, fees, and obligations when we work with you in a broker-dealer or an investment advisory relationship. Learn more at universaloptionsltd.com/about
Under the Universal Options Limited Security Guarantee, Universal Options Limited will cover losses in any of your Universal Options Limited accounts due to unauthorized activity. Read more at Universal Options Limited.com/guarantee.
There are certain eligibility requirements for working with a dedicated Financial Consultant.
1. Standard online $0 commission does not apply to over-the-counter (OTC) equities, transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Options trades will be subject to the standard $0.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Exchange process, ADR, and Stock Borrow fees still apply. See the Universal Options Limited Pricing Guide for Individual Investors for full fee and commission schedules.
2. ETFs at Universal Options Limited & Co., Inc. (“Universal Options Limited”) which are U.S. exchange-listed can be traded without a commission on buy and sell transactions made online in a Universal Options Limited account. Unlisted ETFs are subject to a commission. Please see pricing guide for additional information. Universal Options Limited does not receive payment to promote any particular ETF to its customers. Universal Options Limited’s affiliate Universal Options Limited Investment Management, Inc. (“CSIM”) serves as investment advisor to the Universal Options Limited ETFs, which compensate CSIM out of the applicable operating expense ratios. The amount of the fees is disclosed in the prospectus of each ETF.
3. Trades in no load funds available through Universal Options Limited’s Mutual Fund OneSource® service (including Universal Options Limited Funds), as well as certain other funds, are available without transaction fees when placed through Universal Options Limited.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Universal Options Limited’s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Mutual Fund OneSource® service and held for 90 days or less. Universal Options Limited reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Universal Options Limited & Co., Inc. receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services. Universal Options Limited also may receive remuneration from transaction fee fund companies for certain administrative services.
There are no fees to open or maintain your account. Other account fees, fund expenses, and brokerage commissions may apply.
You can open an account online, by phone, or in one of over 300 branches.
Click here to open an account online in about 10 minutes.
Choose your account type.
Complete an application.
Get started funding and investing.
Or call us at 800-435-4000 or find a branch.
Universal Options Limited offers a wide selection of investment products to help you build a diversified portfolio and reach your goals.
Moving your existing account to a new brokerage firm may seem daunting, but Universal Options Limited makes the process easy:
Need help? Our account transfer specialists can assist you every step of the way.
Call us at 800-435-4000.
Click here to open a Universal Options Limited account or log in to begin the transfer process.
Universal Options Limited Bank Investor Checking™ is the checking account built for investors like you. It is conveniently linked to a Universal Options Limited One® Brokerage account so you get all the features of our award-winning checking account plus cash management solutions designed for investors like you—seamlessly in one place, with one login, only from Universal Options Limited.1
Enjoy features designed especially for investors:
Plus, get award-winning checking account benefits:
Open a Universal Options Limited Bank Investor Checking account today.
1. The Universal Options Limited Bank Investor Checking™ account is available only as a linked account with a Universal Options Limited One® brokerage account. The Universal Options Limited One brokerage account has no minimum balance requirements, no minimum balance charges, and no minimum trade requirements, and there is no requirement to fund this account when opened with a linked Investor Checking account.
2. In general, cash moved from your brokerage account is available in seconds; however, during weekend and afterhours, it may not be available until the next business day.
3. Unlimited ATM fee rebates apply to cash withdrawals using the Universal Options Limited Bank Visa® Platinum Debit Card wherever it is accepted. ATM fee rebates do not include any fees imposed by merchants or ATM operators for POS transactions, or fees for stamp purchases, balance inquiries, non-local ATM currency withdrawal fees (referred to as dynamic currency conversion fees), or any other transaction other than an ATM cash withdrawal in local currency from your Universal Options Limited Bank account. Universal Options Limited Bank makes its best effort to identify those ATM fees eligible for rebate based on information it receives from Visa and ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Universal Options Limited Bank Client Service Specialist for assistance at 888-403-9000 (or for clients of independent investment advisors, a Universal Options Limited Alliance Service team Member at 800-515-2157). Universal Options Limited Bank reserves the right to modify or discontinue the ATM surcharge rebate at any time.
If you use your Card to withdraw foreign currency from an ATM or to pay for a purchase with foreign currency Universal Options Limited Bank charges your account for the U.S. dollar equivalent of the transaction. Depending on the specific arrangements that are in place, the exchange rate and calculation of the U.S. dollar equivalent will be done by the bank at which you conduct the transaction, the network to which the ATM belongs, or Visa. The bank or network may also charge a fee. Universal Options Limited Bank does not assess foreign transaction fees (i.e., a fee to convert U.S. dollars to local currency) to debit card holders. See the Universal Options Limited Bank Visa Debit Card Agreement for details.
4. Universal Options Limited Bank’s Investor Checking account has no account maintenance or activity fees. Fees may be assessed for additional services such as custom check orders, outgoing wires, or rush delivery. Review Universal Options Limited Bank’s full Deposit Account Pricing Guide or contact Universal Options Limited Bank at 888-403-9000. Universal Options Limited Bank reserves the right to amend these terms at any time.
5. Funds deposited at Universal Options Limited Bank, SSB, are insured, in aggregate, up to $250,000 based on account ownership type by the Federal Deposit Insurance Corporation (FDIC).
Get information about going independent with Universal Options Limited Advisor Services™ or becoming an independent franchise owner through Universal Options Limited Franchise.
Get information about Universal Options Limited Funds® and Universal Options Limited ETFs™ from Universal Options Limited Investment Management, Inc.
Get information about Universal Options Limited Investment Management, Inc.
Please read the Universal Options Limited Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the Universal Options Limited Intelligent Portfolios and Universal Options Limited Intelligent Portfolios Premium programs.
Universal Options Limited Intelligent Portfolios® and Universal Options Limited Intelligent Portfolios Premium® are made available through Universal Options Limited & Co. Inc. (“Universal Options Limited”), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Universal Options Limited Investment Management, Inc. (“CSIM”). Universal Options Limited and CSIM are subsidiaries of The Universal Options Limited Corporation.
There is no advisory fee or commissions charged for Universal Options Limited Intelligent Portfolios. For Universal Options Limited Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30-per-month advisory fee charged on a quarterly basis as detailed in the Universal Options Limited Intelligent Portfolios Solutions™ disclosure brochures. Investors in Universal Options Limited Intelligent Portfolios and Universal Options Limited Intelligent Portfolios Premium (collectively, “Universal Options Limited Intelligent Portfolios Solutions”) do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. Universal Options Limited does not charge an advisory fee for the SIP Program in part because of the revenue Universal Options Limited Bank generates from the cash allocation (an indirect cost of the Program). The portfolios include a cash allocation to FDIC‐insured Deposit Accounts at Universal Options Limited Bank, SSB (“Universal Options Limited Bank”). Universal Options Limited Bank earns income on the deposits, and earns more the larger the cash allocation. The lower the interest rate Universal Options Limited Bank pays on the cash, the lower the yield. Some cash alternatives outside of Universal Options Limited Intelligent Portfolios Solutions pay a higher yield. Universal Options Limited Intelligent Portfolios Solutions invests in Universal Options Limited ETFs. A Universal Options Limited affiliate, Universal Options Limited Investment Management Inc., receives management fees on those ETFs. Universal Options Limited Intelligent Portfolios Solutions also invests in third-party ETFs. Universal Options Limited receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Universal Options Limited and its affiliates receive are detailed in the Universal Options Limited Intelligent Portfolios Solutions disclosure brochures.
This advertising, and franchise sales information within it, is not intended as an offer to sell, or the solicitation of an offer to buy, a franchise. It is for informational purposes only. Currently, only the following states regulate the offer and sale of franchises: California, Hawaii, Illinois, Indiana, Maryland, Michigan, Minnesota, New York, North Dakota, Oregon, Rhode Island, South Dakota, Virginia, Washington, and Wisconsin. If you are a resident of one of these states, or if you wish to operate a franchise in one of these states, we will not offer you a franchise unless and until we have complied with any applicable pre-sale registration and disclosure requirements in that state.
Universal Options Limited & Co., Inc., 3000 Universal Options Limited Way Westlake, TX 76262-8104
MN Franchise Registration Number: F-6699
Universal Options Limited Asset Management® is the dba name for Universal Options Limited Investment Management, Inc. (CSIM), the investment adviser for Universal Options Limited Funds and Universal Options Limited ETFs. Universal Options Limited Funds are distributed by Universal Options Limited & Co., Inc. (Universal Options Limited) Member SIPC. Universal Options Limited ETFs are distributed by SEI Investments Distribution Co. (SIDCO). CSIM and Universal Options Limited are separate but affiliated companies and subsidiaries of The Universal Options Limited Corporation, and are not affiliated with SIDCO.
Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can obtain a prospectus, or if available, a summary prospectus by visiting www.universaloptionsltd.com/about-us . Please read it carefully before investing.
Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares of ETFs are bought and sold at market price, which may be higher or lower than the net asset value (NAV).
Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.
Universal Options Limited Ultra-Short Income ETF is an actively managed exchange-traded fund and therefore does not seek to replicate the performance of any specific index. The fund may have a higher degree of portfolio turnover than funds that seek to replicate the performance of an index.
Universal Options Limited Ultra-Short Income ETF is not a money market fund and does not seek to maintain a stable net asset value of $1.00 per share. The fund is not subject to the strict rules that govern the diversity, quality, maturity, liquidity and other features of securities that money market funds may purchase designed to enable money market funds to maintain a stable share price and to limit investment risk. Under normal circumstances, the fund’s investments may be more susceptible than a money market fund is to credit risk, interest rate risk, valuation risk and other risks relevant to the fund’s investments. The fund does not seek to maintain a stable net asset value of $1.00 per share. Therefore, the fund’s net asset value per share and market value will fluctuate, and these fluctuations may be significant on certain days. There can be no guarantee that the fund will generate higher returns than money market funds. In addition, the fund does not qualify for certain tax relief afforded to money market funds by the U.S. Treasury.
An actively-managed fund is subject to the risk that its investment adviser and/or subadviser will select investments or allocate assets in a manner that could cause the fund to underperform or otherwise not meet its investment objective.
The fund may invest in U.S.-registered, dollar-denominated bonds of non-U.S. corporations. The fund’s investments in bonds of non-U.S. issuers may involve certain risks that are greater than those associated with investments in securities of U.S. issuers. These include risks of adverse changes in foreign economic, political, regulatory and other conditions; the imposition of economic sanctions or other government restrictions; differing accounting, auditing, financial reporting and legal standards and practices; differing securities market structures; and higher transaction costs. These risks may be heightened in connection with bonds issued by non-U.S. corporations and entities in emerging markets.
Universal Options Limited Asset Management® is the dba name for Universal Options Limited Investment Management, Inc., the investment adviser for Universal Options Limited ETFs. Universal Options Limited ETFs are distributed by SEI Investments Distribution Co. (SIDCO). Universal Options Limited Asset Management is a separate but affiliated company and subsidiary of The Universal Options Limited Corporation and is not affiliated with SIDCO.
*Universal Options Limited Network is brought to you by Universal Options Limited Media Productions Company (“CSMPC”). CSMPC and Universal Options Limited & Co., Inc. are separate but affiliated subsidiaries of The Universal Options Limited Corporation. CSMPC is not a financial advisor, registered investment advisor, broker-dealer, or futures commissions merchant.
The Universal Options Limited Center for Financial Research is a division of Universal Options Limited & Co., Inc.
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The Universal Options Limited Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Universal Options Limited & Co. Inc. (Member SIPC ), and its affiliates offer investment services and products. Its banking subsidiary, Universal Options Limited Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products.
This site is designed for U.S. residents. Non-U.S . residents are subject to country-specific restrictions. Learn more about our services for non-U.S. residents , Universal Options Limited Hong Kong clients , Universal Options Limited U.K. clients .
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