ME
Michael Espinoza
CETERA INVESTMENT ADVISERS LLC
SAGINAW, MI 48607
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CRD#: 4724045
ME
Professional summary
Michael Espinoza, who also goes by Michael Lee Espinoza, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Saginaw, Michigan and CETERA FINANCIAL SPECIALISTS LLC located in Saginaw, Michigan.
Michael is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2004. Michael has worked at 6 firms and has passed the Series 66, SIE and Series 7 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Michael Lee Espinoza
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1)INDEPENDENTLY INSURANCE LICENSED - MAY VARY THROUGHOUT THE YEAR BUT GENERALLY CAN ACCOUNT FOR UP TO 5% OF REGISTRANT'S TIME. 2) NAME OF OTHER BUSINESS: GRAPP LERASH WEALTH MANAGEMENT; INVESTMENT RELATED: YES, ADDRESS: SAME AS REGISTERED LOCATION, NATURE OF BUSINESS: FINANCIAL SERVICES, START DATE: 12/2023, POSITION/TITLE/RELATIONSHIP: FINANCIAL PROFESSIONAL, APX NUMBER OF HOURS PER WEEK: 40, APX NUMBER OF HOURS DURING TRADING HOURS: 32.5, BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES; 3) NAME OF OTHER BUSINESS: BAY AREA CHAMBER OF COMMERCE ; INVESTMENT RELATED: NO ; ADDRESS: 9001 SAGINAW ST , BAY CITY, MI 48708 ; NATURE OF BUSINESS: CHAMBER OF COMMERCE ; START DATE: 01/2020 ; POSITION/TITLE/RELATIONSHIP: BOARD OF DIRECTORS ; APX NUMBER OF HOURS PER WEEK: 2 ; APX NUMBER OF HOURS DURING TRADING HOURS: 2 ; BRIEF DESCRIPTION OF DUTIES: APPROVE AND PROMOTE POLICIES AFFECTING MEMBERSHIP '
CRS (Client Relationship Summary) - RIA
Click below to view Michael Espinoza's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
NoneExperience
Current
August 4, 2011 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 515 N Washington Ave 4th Floor, Ste 402, Saginaw, MI 48607RIA
CRD#: 105644
SAGINAW, MI
Current
August 2, 2011 - Present
CETERA FINANCIAL SPECIALISTS LLC
Office #1: 515 N Washington Ave 4th Floor, Ste 402, Saginaw, MI 48607BD
CRD#: 10358
Saginaw, MI
Past
February 10, 2010 - December 31, 2011
GTO CAPITAL GROUP LLC
RIA
CRD#: 151998
BAY CITY, MI
Past
October 31, 2008 - November 6, 2009
UBS FINANCIAL SERVICES INC.
BD
CRD#: 8174
GRAND BLANC, MI
Past
January 11, 2005 - November 3, 2008
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED
RIA
CRD#: 7691
SAGINAW, MI
Past
January 10, 2005 - November 3, 2008
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED
BD
CRD#: 7691
SAGINAW, MI
Past
January 12, 2004 - January 20, 2005
RAYMOND JAMES & ASSOCIATES, INC.
BD
CRD#: 705
ST. PETERSBURG, FL
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Michigan(8/2/2011)
IAR
Michigan(8/4/2011)
RR
Ohio(8/2/2011)
Exams
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096
Mailing Address
Phone number
(310) 257-7880
Established
Firm type
Fiscal year end
# of Employees
7,705
SEC notice filing (53 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 584,487 |
| AUM (Assets Under Management) | $ 163,792,814,520 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/27/2025 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
