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306 5th Street
Suite 101
Bay City, MI 48708


Insight Financial Group


Michael Espinoza

Michael Espinoza

Financial Advisor


Michael Espinoza, CRPC became a financial advisor in 2004 after graduating from the University of Michigan – Ann Arbor. He is an Investment Advisor Representative and a Registered Representative with Cetera Financial Specialists LLC, member FINRA/SIPC. His areas of expertise include retirement services for businesses and employee benefit plans, investment and tax planning for businesses, individuals, trusts and estates, and succession planning. He is a Chartered Retirement Planning Counselor. Michael was born and raised in Saginaw and he currently lives in Bay City with his two children, Marissa and Fernando.


Michael Espinoza is dedicated to volunteering for many local organizations. They include a past Bay Area Chamber of Commerce ambassador and current board of directors, Fordney Club of Saginaw board of directors past president, University of Michigan Alumni Association board of directors, Boys and Girls Club of the Great Lakes Bay Region board member, and the Reading Bay County program. He is a member of the Young Professionals Network in both Saginaw County and Bay County. He is past commissioner of the Hispanic/Latino Commission of Michigan under Governor Jennifer Granholm, and a member and past president of the Great Lakes Bay Region Hispanic Business Association. Michael received the Junior Achievement of Northeast Michigan Volunteer of the Year award in 2015 and serves as an Economics program teacher for JA as well as a board member.