# Michael Espinosa

> Michael Espinosa is a fee-only financial advisor at Truenorth Wealth in Salt Lake City, Utah, who holds the CFP credential. Truenorth Wealth reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-espinosa/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Truenorth Wealth
- **Based in:** Salt Lake City, Utah
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $1.27B across 2,829 accounts
- **Credentials:** CFP
- **CRD:** 6558518 (https://adviserinfo.sec.gov/individual/summary/6558518)
- **SEC registration:** Investment adviser representative in ID, UT
- **Exams passed:** Series 63 (2015), Series 65 (2018)
- **Firm size:** 19 employees
- **Disclosures:** None reported
- **Website:** https://www.imafs.org/

## Frequently asked questions

### Is Michael Espinosa a fee-only financial advisor?

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

### How does Michael charge for financial advice?

Michael's firm, Truenorth Wealth, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Michael Espinosa based?

Michael Espinosa is based in Salt Lake City, Utah.

### What credentials does Michael Espinosa hold?

Michael Espinosa holds the CFP credential.

### Is Michael Espinosa registered with the SEC?

Yes. Michael Espinosa is registered as an investment adviser representative in ID and UT (CRD 6558518), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Truenorth Wealth manage?

Truenorth Wealth reports $1.27B across 2,829 accounts in assets under management.

### How do I contact Michael Espinosa?

Through Michael's website, www.imafs.org.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6558518): 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

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