Ricardo Espinosa
Field Director
Real planning for real people
Get to know me
I grew up in Lake Geneva, WI, as the oldest of three. As a first-generation Mexican-American, I owe every opportunity to my parents' sacrifices. They left everything behind to give me a chance at a better life. For that, they are forever my heroes, and I dedicate my legacy to them. They taught me hard work, resilience, and the importance of not taking life too seriously.
My “Why”
During my childhood, my parents worked multiple jobs to provide. I witnessed firsthand how financial struggles can strain relationships. When I was a sophomore in high school, my parents separated, and I worked to help my mother with household expenses. Those early years were my most valuable education.
Even now, my parents continue working out of necessity, and my siblings and I will likely be their retirement plan and support them as they age. They didn't know what they didn't know, and no one ever sat down with them to create a plan.
I share this because it's real life. But it doesn’t have to be this way for everyone. I bring these personal experiences into every client meeting to highlight the importance of financial planning. My goal is to give my clients the opportunity my parents deserved—plan, prepare, and avoid costly mistakes while working toward a life of fulfillment.
Today
Today, my home is filled with love and support from my beautiful partner as I grow my practice, our three sassy Rottweilers that keep us on our toes, and our first baby girl, Amara. When I’m not meeting with clients, I spend time with my family, go running with Amara and our dogs, and continue my education to better serve my clients. I also enjoy a good Netflix series, sushi in bed, or a stogie by the fire—I'm not that boring! :)
I look forward to meeting each and every one of you who has taken the time to read this. Until then...
Take care,
Ricky
My areas of expertise:
Life Insurance Strategies
Disability Planning
Advisory Services
Retirement Planning & Income Strategies
Education Planning & Funding
Estate Planning
Business Risk Management
Business Employee & Executive Benefits Planning
Get to know my dedicated team
Together, we are committed to providing exceptional service. If you need to schedule an appointment, submit a request, or have a question about a policy or account, don't hesitate to reach out to us. We're here to help.
Giving back
As a partner of Northwestern Mutual, I'm proud to help accelerate the search for better childhood cancer treatments while supporting families undergoing treatment, and survivors from late effects. Here are some of the organizations we partner with:
Alex's Lemonade Stand Foundation for Childhood Cancer (ALSF)
ALSF funds cancer research, raises awareness, and supports the families of children with cancer. Since 2012, Northwestern Mutual, its employees, and financial professionals like me have donated more than $20 million to support ALSF and fund over 400,000 research hours.
Beads of Courage
Beads of Courage is an art-in-medicine program that helps kids with cancer tell their unique treatment story through colorful beads that are symbols of their courage.
How Northwestern Mutual helps you live the life you want.
When people feel better about their money, good things happen—they become more confident and feel more secure. For more than 160 years, Northwestern Mutual has helped people achieve the financial flexibility they need to live more and worry less.
Being a mutual company means Northwestern Mutual reports to its clients, not Wall Street. They don't believe in chasing fads or taking undue risk for short-term gains. Instead, they take a long-term approach—both in the way we help people plan to reach their goals, and in the way they do business. This has served their clients (and mine) well through all kinds of economic ups and downs, including wars, recessions, even the recent pandemic.
It's why I'm happy to be part of a company that's in it for the long-haul and prioritizes clients over profit.
