Our People

Michael L. Espinoza, CRPC

Yeo & Yeo Financial Services

Michael Espinoza is a Financial Services Representative in the Saginaw office and leader of the firm’s Financial Services Team. He is also a member of the firm’s Agribusiness, Construction, Nonprofit, Manufacturing, and Estate & Tax Groups, and the Business Consulting Team for the Saginaw office. He has 14 years of financial services experience.


  • Retirement services for businesses and Employee Benefit Plans
  • Investment planning for businesses, individuals, trusts and estates
  • Tax and investment planning for businesses, individuals, trusts and estates
  • Financial planning
  • Succession planning

Professional Certifications and Education

  • Chartered Retirement Planning Counselor™
  • Investment Advisor Representative
  • Registered Representative with Cetera Financial Specialists LLC, member FINRA/SIPC
  • University of Michigan, Bachelors in History

Professional Membership

  • Association of Latino Professionals in Finance and Accounting


  • Conducts seminars on financial planning, retirement and tax planning

Community Involvement

  • Michigan Hispanic Chamber of Commerce
  • Hispanic/Latino Commission of Michigan, past Commissioner
  • Great Lakes Bay Region Hispanic Business Association, member and past President
  • The University of Michigan Alumni Association, Bay City Chapter past Board Member
  • Fordney Club Board of Directors
  • The Saginaw Club
  • Saginaw Jaycees past Member
  • Bay City Jaycees past Member
  • Young Professionals Network of Saginaw County
  • Young Professionals Network of Bay County
  • Bay Area Chamber Ambassador
  • Junior Achievement of Northeast Michigan, Instructor
  • Saginaw County Vision 2020 Graduate


2016 recipient of Junior Achievement of Northeast Michigan's Volunteer of the Year Award