Unclaimed
This information is unverified and unclaimed information. Claim profile to editThis information is unverified and unclaimed information. Are you Michael? Claim Your ProfileMichael Espinoza is an investment advisor representative registered with Cetera Investment Advisers LLC in Saginaw, Michigan. Michael has been in the securities industry since 2004, and has experience with UBS Financial Services Inc. and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Michael also holds a Series 7 and Series 66 license and is a Registered Representative for Cetera Investment Advisers LLC. Michael Espinoza specializes in providing financial planning services to individuals and families. He is a licensed insurance professional and may provide insurance services on a limited basis. Michael also serves on the board of directors for the Bay Area Chamber of Commerce in Bay City, Michigan.
Advisors offer a broad range of advisory services designed to meet the unique needs of individuals, businesses, and investment companies. These services provide professional guidance and personalized strategies to help clients achieve their financial goals.
Comprehensive financial plans to help you achieve your personal and business goals.
Guidance on pension options to ensure a secure financial future.
Seminars designed to boost your financial literacy and investment knowledge.
Helps you choose top advisors aligned with your financial goals.
Custom portfolio management strategies for businesses to achieve long-term growth.
Personalized portfolio management to meet individual financial objectives.
Advisors may be compensated through a variety of fee structures, offering flexibility and transparency. This allows clients to choose the arrangement that best aligns with their financial objectives.
Set rates for specific services, regardless of time or assets managed.
A percentage of the total value of assets under management is charged.
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2
MI
08/04/2011 - Present
Cetera Investment Advisers LLC (SAGINAW MI)
MI
10/31/2008 - 11/06/2009
UBS FINANCIAL SERVICES INC. (GRAND BLANC MI)
MI
01/10/2005 - 11/03/2008
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED (SAGINAW MI)
FL
01/12/2004 - 01/20/2005
RAYMOND JAMES & ASSOCIATES, INC. (ST. PETERSBURG FL)
BOTH
Issued 02/27/2004
Series 66 - Uniform Combined State Law Examination
BC
Issued 10/01/2018
SIE - Securities Industry Essentials Examination
BC
Issued 01/09/2004
Series 7 - General Securities Representative Examination
Active
Inactive
F
FINRA
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