# Jon Paul Espinoza

> Jon Paul Espinoza is a fee-only financial advisor at B1 Financial in Aventura, Florida. Jon Paul focuses on retirement planning, estate & legacy planning and tax planning. B1 Financial reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/jon-paul-espinoza/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** B1 Financial
- **Based in:** Aventura, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $39.7M across 72 accounts
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** Retirees
- **CRD:** 4088404 (https://adviserinfo.sec.gov/individual/summary/4088404)
- **SEC registration:** Investment adviser representative in NM
- **Exams passed:** Series 63 (2000), Series 66 (2010)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://www.b1.financial/

## Frequently asked questions

### Is Jon Paul Espinoza a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Jon Paul holds no broker registration, and B1 Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Jon Paul charge for financial advice?

Jon Paul's firm, B1 Financial, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Jon Paul Espinoza based?

Jon Paul Espinoza is based in Aventura, Florida.

### What does Jon Paul specialize in?

Jon Paul's specialties include retirement planning, estate & legacy planning and tax planning. Jon Paul works with retirees.

### Is Jon Paul Espinoza registered with the SEC?

Yes. Jon Paul Espinoza is registered as an investment adviser representative in NM (CRD 4088404), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does B1 Financial manage?

B1 Financial reports $39.7M across 72 accounts in assets under management.

### How do I contact Jon Paul Espinoza?

Through Jon Paul's website, www.b1.financial.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4088404): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.b1.financial/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.