Helen Hroncich is a seasoned professional with over 24 years of experience in banking and financial technology. With a strong foundation in finance, accounting, and insurance, she is committed to helping individuals and businesses achieve financial stability and success.

Helen holds a Bachelor's degree in Psychology, a Master's in Public Accounting, and a Master's in Finance. She is a licensed Certified Public Accountant (CPA) in New York, a Certified Insurance Consultant, and a licensed Insurance Producer specializing in Accident, Health, and Life Insurance across multiple states. Additionally, she previously worked as a tax preparer for a tax franchise and is an active real estate investor, further expanding her expertise in financial services.

Her career began in the banking sector, where she dedicated over two decades to accounting and finance. She later transitioned into the financial technology industry, where she applies her extensive knowledge to financial controlling, reporting, and analysis, helping businesses navigate complex financial landscapes.

Helen is also passionate about raising awareness around tax strategies and planning, helping individuals make informed decisions that support their long-term financial goals.

Beyond her professional achievements, Helen is passionate about financial education, empowering families to build solid financial foundations. She believes in honesty, transparency, and integrity, guiding individuals and businesses through financial growth with a commitment to long-term success.

Born and raised in Queens, New York, Helen now splits her time between Forest Hills, NY, and New Fairfield, CT, where she lives with her husband, two children (ages 8 and 4), and their beloved cat. She embraces a minimalist lifestyle and enjoys traveling and interior decorating. A true lover of nature, she finds peace near bodies of water, particularly the ocean and lakes, which provide her with a sense of serenity and inspiration.

With a deep dedication to service and education, Helen continues to make a meaningful impact in the financial world, helping individuals, families, and businesses achieve financial well-being.

Universal Wealth LLC is led by veteran resource advocates formed in Arizona as a Domestic LLC. It is led by Andre L. Pennington, an Inc. 5000 CEO and Forbes Finance Council member. The company specializes in financial planning, estate planning, asset protection, and tax strategies. The foundation of Universal Wealth is built from a group of experienced insurance agents, disillusioned by the profit-driven practices of traditional agencies, made the bold decision to leave and build something better—an independent firm founded on the principles of integrity, honesty, and unwavering commitment to clients. Tired of being pressured to prioritize sales quotas over people, they created a space where doing what's right is not just encouraged, it's expected. At this agency, the client’s best interest always comes first—no hidden agendas, no upselling, no compromises. Unlike many firms that place company profits above client needs, that kind of behavior is neither practiced nor tolerated here. This is a firm built on trust, where long-term relationships and real solutions matter more than short-term gains.

In regards to veterans they offer unparallel legal expertise to ensure veterans receive the benefits they rightfully deserve. For retirees they specialize in fixed income annuities designed for individuals who want to protect their principal, enjoy tax-deferred growth, and create a predictable stream of income for life. FIAs offer a compelling blend of safety and opportunity. In a world of economic uncertainty and volatile markets, FIAs provide peace of mind by guaranteeing you’ll never lose money due to market downturns—yet you still have the potential to benefit when the market performs well. Whether approaching retirement or simply seeking a secure way to grow wealth, a Fixed Index Annuity can help achieve long-term financial goals with confidence and clarity.