ZE
Zaira Espinoza
CETERA INVESTMENT ADVISERS LLC
MCALLEN, TX 78501
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CRD#: 6331036
ZE
Professional summary
Zaira Espinoza, who also goes by Zaira Alatorre, Zaira VIllanueva Espinoza, Zaira Espinoza, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Mcallen, Texas and CETERA WEALTH SERVICES, LLC located in Mcallen, Texas.
Zaira is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2016. Zaira has worked at 8 firms and has passed the Series 65, Series 63, SIE and Series 7 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Zaira Alatorre | Zaira Villanueva Espinoza | Zaira 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) ZEAL WEALTH PARTNERS, LLC POSITION: Chief Executive Officer NATURE: Comprehensive financial planning, estate planning, retirement planning, philanthropy planning, business solutions, alternative investments, investment management. INVESTMENT RELATED: Yes NUMBER OF HOURS: 100 SECURITIES TRADING HOURS: 100 START DATE: 06/10/2025 ADDRESS: 914 North Main Street, Suite 3, McAllen TX 78501, United States DESCRIPTION: Analyze and research financial assets, deliver financial plans, provide asset and portfolio management, retirement planning, distribution planning, legacy planning. 2) ZEAL WEALTH MANAGEMENT POSITION: CEO NATURE: Subject OBA is the Assumed Name for which I am doing advisory and brokerage business. Comprehensive financial planning, estate planning, retirement planning, philanthropy planning, business solutions, lending,alternative investments, insurance, investment management. INVESTMENT RELATED: Yes NUMBER OF HOURS: 100 SECURITIES TRADING HOURS: 100 START DATE: 06/12/2025 ADDRESS: 914 North Main Street, Suite 3, McAllen TX 78501, United States DESCRIPTION: Subject OBA is the Assumed Name for which I am doing advisory and brokerage business. Analyze and research financial assets, deliver financial plans, provide asset and portfolio management, retirementplanning, distribution planning, legacy planning. 3) ZEAL WEALTH MANAGEMENT AND/OR ZEAL WEALTH POSITION: CEO NATURE: Subject OBA is the Assumed Name for which I am doing advisory and brokerage business. Comprehensive financial planning, estate planning, retirement planning, philanthropy planning, business solutions, lending,alternative investments, insurance, investment management. INVESTMENT RELATED: Yes NUMBER OF HOURS: 100 SECURITIES TRADING HOURS: 100 START DATE: 06/12/2025 ADDRESS: 914 North Main Street, Suite 3, McAllen TX 78501, United States DESCRIPTION: Subject OBA is the Assumed Name for which I am doing advisory and brokerage business. Analyze and research financial assets, deliver financial plans, provide asset and portfolio management, retirement planning, distribution planning, legacy planning. 4) ZEAL TRANSITIONS, LLC POSITION: Owner NATURE: Provide business strategy and transactional guidance consulting including helping individuals and firms understand the buying/selling process of a business. INVESTMENT RELATED: No NUMBER OF HOURS: 8 SECURITIES TRADING HOURS: 4 START DATE: 06/16/2025 ADDRESS: 914 North Main Street, Suite 3, McAllen TX 78501, United States DESCRIPTION: Discuss and understand business situation, advise on business sales and acquisition process, deal structuring, considerations to acknowledge. This activity is not for business brokering, selling or buying, companies. 5) ZEAL Wealth Partners and ZEAL Wealth; CEO; Subject OBA is for Assumed Name�; IR; 160; 100; 09/05/2025; 914 North Main Street McAllen TX 78501; Subject OBA is the Assumed Name for which I am doing advisory and brokerage business.
CRS (Client Relationship Summary) - RIA
Click below to view Zaira 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
September 5, 2025 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 914 North Main Street Suite 3, Mcallen, TX 78501RIA
CRD#: 105644
MCALLEN, TX
Current
September 5, 2025 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 914 North Main Street Suite 3, Mcallen, TX 78501BD
CRD#: 13572
McAllen, TX
Past
March 5, 2025 - September 5, 2025
AVANTAX INVESTMENT SERVICES, INC.
BD
CRD#: 13686
McAllen, TX
Past
March 4, 2025 - September 5, 2025
AVANTAX ADVISORY SERVICES
RIA
CRD#: 104556
McAllen, TX
Past
May 27, 2022 - August 14, 2024
AVANTAX ADVISORY SERVICES
RIA
CRD#: 104556
Hidaldo, TX
Past
May 26, 2022 - August 14, 2024
AVANTAX INVESTMENT SERVICES, INC.
BD
CRD#: 13686
DALLAS, TX
Past
December 3, 2019 - December 21, 2021
LPL FINANCIAL LLC
RIA
CRD#: 6413
SAN DIEGO, CA
Past
December 3, 2019 - December 21, 2021
LPL FINANCIAL LLC
BD
CRD#: 6413
SAN DIEGO, CA
Past
January 24, 2019 - March 25, 2019
ARETE WEALTH MANAGEMENT, LLC
BD
CRD#: 44856
San Diego, CA
Past
June 11, 2018 - December 4, 2019
AXXCESS WEALTH MANAGEMENT, LLC
RIA
CRD#: 164081
San Diego, CA
Past
April 1, 2016 - January 30, 2017
THRIVENT INVESTMENT MANAGEMENT INC.
RIA
CRD#: 18387
SAN DIEGO, CA
Past
March 16, 2016 - January 30, 2017
THRIVENT INVESTMENT MANAGEMENT INC.
BD
CRD#: 18387
SAN DIEGO, CA
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
California(9/5/2025)
RR
New York(9/5/2025)
RR
Texas(9/5/2025)
IAR
Texas(9/5/2025)
Exams
State Security Law Exam
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.
Company Information
CETERA INVESTMENT ADVISERS LLC
CRD#: 105644Mcallen, TX 78501TRUST BUT VERIFY
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