Michael Espinoza

Current Employers

Employment History

• 08/2011 → 12/2025
  Cetera Investment Advisers Llc
  Schaumburg, IL
• 08/2011 → 07/2018
  Yeo & Yeo Financial Services, Inic
  Saginaw, MI
• 08/2011 → 12/2025
  Cetera Financial Specialists Llc
  Schaumburg, IL
• 01/2026 → Present
  Cetera Wealth Services, Llc
  El Segundo, CA
• 01/2026 → Present
  Cwm, Llc Dba Carson Partners
  Omaha, NE
• 01/2026 → Present
  Cwm, Llc Dba Carson Group Holdings
  Saginaw, NE

Previous Registrations

• 2011-08-04 → 2025-12-31
  Cetera Investment Advisers Llc
  Saginaw, MI
  Saginaw, MI
  Bay City, MI
  Saginaw, MI
• 2010-02-10 → 2011-12-31
  Gto Capital Group Llc
  Bay City, MI
• 2005-01-11 → 2008-11-03
  Merrill Lynch, Pierce, Fenner & Smith Incorporated
  Saginaw, MI
  Saginaw, MI

Other Businesses

1. NAME OF OTHER BUSINESS: FIXED INSURANCE WITH VARIOUS COMPANIES; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: FIXED INSURANCE; START DATE: 01/2005; APX NUMBER OF HOURS PER WEEK: 5; APX NUMBER OF HOURS DURING TRADING HOURS: 5; POSITION/TITLE/RELATIONSHIP: INSURANCE AGENT; BRIEF DESCRIPTION OF DUTIES: SALES OF FIXED INSURANCE PRODUCTS; 2. NAME OF OTHER BUSINESS: CWM, LLC DBA CARSON PARTNERS - CRD # 155344; INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: SEC REGISTERED INVESTMENT ADVISORY FIRM THAT PROVIDES PORTFOLIO MANAGEMENT, FINANCIAL PLANNING, ESTATE PLANNING, AND ADDITIONAL ADVISORY SERVICES; START DATE: 01/2026; POSITION/TITLE/RELATIONSHIP: WEALTH ADVISOR; APX NUMBER OF HOURS PER WEEK: 40; APX NUMBER OF HOURS DURING TRADING HOURS: 32.5; BRIEF DESCRIPTION OF DUTIES: PROVIDING ADVISORY SERVICES TO CLIENTS WHEN NEEDED; 3. NAME OF OTHER BUSINESS: BAY AREA CHAMBER OF COMMERCE; INVESTMENT RELATED: NO; ADDRESS: 812 N WATER ST, BAY CITY, MI 48708; NATURE OF BUSINESS: CHAMBER OF COMMERCE; START DATE: 01/2020; POSITION/TITLE/RELATIONSHIP: ELECTED BOARD MEMBER; APX NUMBER OF HOURS PER WEEK: 1; APX NUMBER OF HOURS DURING TRADING HOURS: NONE; BRIEF DESCRIPTION OF DUTIES: ADVISE AND VOTE ON CHAMBER PROCEDURES, ACTIVITIES, AND EVENTS; 4. NAME OF OTHER BUSINESS: CWM, LLC DBA CARSON GROUP HOLDINGS INVESTMENT RELATED: YES; ADDRESS: SAME AS REGISTERED LOCATION; NATURE OF BUSINESS: DBA FOR FINANCIAL SERVICES; START DATE: 01/2026; POSITION/TITLE/RELATIONSHIP: WEALTH ADVISOR; APX NUMBER OF HOURS PER WEEK: 40; APX NUMBER OF HOURS DURING TRADING HOURS: 32.5; BRIEF DESCRIPTION OF DUTIES: PROVIDING BROKERAGE AND ADVISORY SERVICES TO CLIENTS WHEN NEEDED;

Exams

• S66 Uniform Combined State Law Examination
  2004-02-27

Other Names

• Michael Lee Espinoza
• Michael Espinoza
• Michael Lee Espinoza