We present the universal one-loop effective action for all operators of
dimension up to six obtained by integrating out massive, non-degenerate
multiplets. Our general expression may be applied to loops of heavy fermions or
bosons, and has been checked against partial results available in the
literature. The broad applicability of this approach simplifies one-loop
matching from an ultraviolet model to a lower-energy effective field theory
(EFT), a procedure which is now reduced to the evaluation of a combination of
matrices in our universal expression, without any loop integrals to evaluate.
We illustrate the relationship of our results to the Standard Model (SM) EFT,
using as an example the supersymmetric stop and sbottom squark Lagrangian and
extracting from our universal expression the Wilson coefficients of
dimension-six operators composed of SM fields.Comment: 30 pages, v2 contains additional comments and corrects typos, version
accepted for publication in JHE