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Michael R. Acosta, CFP®, ChFC®, RICP®, CSLP®, CEPA®

Helping H.E.N.R.Ys Accumulate Wealth & Business Owners Maximize Their Exit

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The Dumas Team, Consolidated Planning, Inc. Michael R. Acosta, CFP®, ChFC®, RICP®, CSLP®, CEPA®
Charlotte, NC

Serving Clients Nationwide

Helping H.E.N.R.Ys Accumulate Wealth & Business Owners Maximize Their Exit

26 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

(704) 237-6559

Website

Areas of Focus

  • Budgeting
  • Catholic Values Investing
  • Faith-Based Investing
  • Family and Money
  • Federal Student Loan Option Analysis
  • Getting out of Debt
  • Having a Baby
  • High Net Worth
  • Inherited Wealth
  • Insurance
  • Investment Management
  • Loss of Spouse or Partner
  • Owning a Business
  • Private Student Loan Option Analysis
  • Public Service Loan Forgiveness (PSLF) Advising
  • Retirement Planning
  • Saving for College
  • Student Loan Advising

About Michael R. Acosta, CFP®, ChFC®, RICP®, CSLP®, CEPA®

Michael R. Acosta, CFP®, ChFC®, CSLP®, RICP®, CEPA®, is a first-generation Colombian-American financial advisor based in Charlotte, North Carolina. He earned a Bachelor of Science in Accounting with a minor in Economics from Wingate University, where he was a four-year varsity Division II Men's Lacrosse player.

Since 2013, Michael has been dedicated to helping individuals, families, and business owners take control of their financial future. As the founder of Genesis Wealth Planning and a partner with Consolidated Planning, Inc., he offers subscription-based financial planning services, eliminating traditional barriers like asset-based minimums. His extensive credentials allow him to provide professional guidance in areas such as investment management, business exit planning, and Catholic-values-based financial strategies.

Michael is passionate about helping clients navigate every stage of their financial journey. He specializes in student loan planning during the accumulation phase, ensuring borrowers can balance repayment with wealth-building. As clients approach retirement, he designs customized de-accumulation strategies so pre-retirees and retirees can confidently enjoy the life they’ve worked hard for. His holistic approach ensures success from building wealth to a fulfilling retirement.

At the core of Michael’s practice is the belief that we are created to be extraordinary, not mediocre. He helps clients maximize their God-given talents and financial resources, aligning their wealth with their values while treating every individual with the utmost respect and dignity. His mission is simple: to help clients live their best lives today while planning for a successful tomorrow.

Michael and his wife Blair cherish spending time with family and friends and supporting our communities establishments. We are active members at Our Lady of Grace Catholic Church in Lancaster, SC where Michael is also a 4th degree member of the

Professional Designations

  • Certified College Planning Specialist (CCPS)
  • Certified Exit Planning Advisor (CEPA)
  • CERTIFIED FINANCIAL PLANNER ®
  • Certified Student Loan Professional (CSLP)
  • Chartered Financial Consultant (ChFC)
  • Retirement Income Certified Professional (RICP)

Affiliations

  • Catholic Financial Planner Network
  • CFP Board
  • Financial Planning Association

Primary Location

6115 Park South Drive suite 200, Charlotte, NC 28210, USA

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Commissions
  • Flat Fee
  • One-time Financial Plan
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

We treat our first meeting a lot like a "First Date". If you recall what that's like, it can sometimes be uncomfortable, but the goal is to make it to the end in order to determine if we like each other, trust each other, and compatible. Click the 'Book Intro Call' button above to schedule a complimentary 30-minute introductory phone call.

Offers Investment Management

Yes

About The Dumas Team, Consolidated Planning, Inc.

PREPARE | PERFORM | PROSPER

We are Genesis Wealth Planning, LLC a client relationship group of Consolidated Planning, Inc. We strive to provide comprehensive wealth management services for every stage of your journey. Through a collaborative process, we help maximize the Client’s potential for meeting life goals through financial advice that integrates relevant elements of the Client’s personal and financial circumstances.

Our business is relationship-focused and we take this seriously. Because of this, our team makes every effort to build on those relationships in an effort to provide a client experience that provides you with the confidence that you are working with the right firm.

HOW WE WORK:

Our mission is to get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation.

We understand the challenges families face today. From managing debt to saving for college to retirement, these personal finance challenges can be overwhelming. Our commitment is to utilize all of our resources to help you pursue your goals.

We believe in thinking “out of the box” and we are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. All of our energy, commitment, and efforts are focused on you, the client, and your satisfaction.

OUR APPROACH:

✅ You never have to go it alone. We approach every client with a blank slate. No preconceived notions of what you need because of what you look like or how much money you have. We understand that everyone is different — and will need a different set of strategies for reaching their financial goals with confidence.

✅ How we approach insurance. Let’s be honest. There are lots of insurance products out there. But, chances are, most of them aren’t right for you. When you sit down with us, we’ll make sure you understand how different types of insurance policies work, how much they cost and why (or why not) they may fit your needs. With no hard sells or complicated jargon. We promise.

✅ How we approach investing. If investing were easy, anyone would be able to make a killing on the stock market. But it’s not. Doing it right takes plenty of hard work and discipline. Not to mention a thorough understanding of investing principles and financial markets. Which is precisely what we bring to bear when we help you come up with a sound investment strategy.

✅ How we approach retirement. Only 23% of workers say they’re very confident about saving enough for a comfortable retirement.* Our job is to make sure you’re one of them. We’ll help you understand how much you should be saving, how you should be investing, and what you might expect to have when you’re ready to stop working. Because the best way to find your way to a successful retirement is to make sure your eyes are wide open.

*Source: Employee Benefit Research Institute’s annual Retirement Confidence Survey, January 2019.

Education

Wingate University Bachelor of Science, Accounting and Economics

Volunteer Experience

Knights of Columbus (4th Degree) NexGen Director of Local FPA Chapter

Languages

  • English

Hobbies and Interests

  • Church
  • Cooking
  • Exercising
  • Family
  • Football
  • Grilling
  • Hiking
  • Movies
  • Music
  • Reading
  • Relaxing
  • Running
  • Soccer
  • Sports
  • Volunteering
  • Working Out

SEC Lookup

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FINRA Lookup

View Disclosure

Who We Serve

  • Attorneys
  • Baby Boomers
  • Business Owners
  • College Graduates
  • Contractors
  • Couples
  • Dentists
  • Dual Income Family
  • Entrepreneurs
  • Gen X
  • Gen Y / Millennials
  • Gen Z
  • Healthcare Professionals
  • Immigrants
  • Intergenerational Families
  • Living in Retirement
  • Newly Engaged / Newlywed
  • Parents
  • Physicians
  • Real Estate Agents
  • Remote Workers
  • Single Women
  • Technology Professionals
  • Widow
  • Women in Transition
  • Women Professionals
  • Women’s Finance
  • Young Families

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


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Best Financial Planner

✅ Wealthtender Certified Advisor Review™
Aug 26, 2025
Michael and his team have been a blessing to us! We did not know what we were missing out on until we met with him. Our previous financial planner did not put us as a priority and we felt like we were not being heard. Michael is the exact opposite. Our first meeting with him (and every meeting after), he reviewed our goals as a family and how we can achieve those goals. We do not feel pressure from him at all. Specifically, it has been such a breath of fresh air to have someone who truly understands federal loans and loan forgiveness; and to have someone who understands that family comes first. He is truly a gem, and we were lucky to find him! If you have any doubts, let this be the testimonial that convinces you to make that first meeting. You won't be disappointed!
Relationship to Financial Advisor: Client as of Aug 26, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Allison and Scott Pullen
Allison and Scott Pullen

Hire him!!

✅ Wealthtender Certified Advisor Review™
Aug 15, 2025
I was introduced to Michael about six months ago, and he has been an incredible resource for me when it comes to managing my finances. He helped me identify the student loans that would benefit me the most, guided me on investment strategies, and provided expert advice on which work benefits make the most sense for me—ensuring I keep my costs low while still getting everything I need. What stands out the most is his responsiveness. Whether I’ve emailed him early in the morning or late in the day, I always receive a prompt, thorough, and thoughtful response. I feel completely at ease asking him any questions, and he always takes the time to explain things in a way that’s easy to understand. Working with Michael has been a fantastic experience, and I truly couldn’t recommend him more!
Relationship to Financial Advisor: Client as of Aug 15, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Heema Shah
Heema Shah

Highly Recommended

✅ Wealthtender Certified Advisor Review™
Jun 23, 2025
My wife introduced me to Michael about a year ago. We were overwhelmed with retirement and student loans. Michael went through all the paperwork and every change that student loans was going through. He kept us updated and walked us through every step of the way. He is amazing at his job and we highly recommend him for financial planning and working through the red tape of student loans.
Relationship to Financial Advisor: Client as of Jun 23, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for chuck Sanders
chuck Sanders

Just in the nick of time

✅ Wealthtender Certified Advisor Review™
Jun 23, 2025
Michael came into my life at a most desperate time. I was newly divorced, having major surgery and struggling under the strain of parent plus loan debt. I needed help, and I found him through searching on the internet. His knowledge and understanding of where I was financially, and what needed to be done to get me some relief was so appreciated. And we were on a timeline. With Michael's guidance, and step by step instruction, he even emailed me late in the evening for questions/concerns, we were able to consolidate my loans and get me into a IDR plan. Still waiting for the final consolidation to be finalized, but I have a loan with a payment much improved. Thank you Michael!!!!
Relationship to Financial Advisor: Client as of Jun 23, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Elaine Aragon
Elaine Aragon

Student Loan consultant

✅ Wealthtender Certified Advisor Review™
Apr 7, 2025
I work closely with Mike referring clients with anything related to student loans. He is an expert in this area and has delivered excellent advice and value to all I have asked him to help!
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this individual and their experience do not suggest future results. No compensation was provided.
Avatar for Jeff Howard
Jeff Howard

Literally changed my life

✅ Wealthtender Certified Advisor Review™
Mar 17, 2025
I met Michael through James, our financial planner. James knew I was worried about my seemingly endless school loan payments and said that this is Michael's specialty (or one of them). That is an understatement. Michael knows the ins and outs of school loans like I know my favorite sweet is chocolate. In a matter of a few minutes, Michael explained what I needed to do and even walked me through each step of the multiple forms I needed to complete. Whenever I had a question about the process or what next steps might be, Michael either answered via email or was gracious enough to schedule a meeting. This week, after patiently waiting, I received notice that my school loans have been forgiven (because I made the correct number of payments) and had I not met Michael, I would not have even known that was an option. When I say he changed my life, I mean it...the weight lifted off my shoulders was immense. I will be forever grateful.
Relationship to Financial Advisor: Client as of Mar 17, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Rodney P Duke
Rodney P Duke

Certified Financial Planner that Works for You!

✅ Wealthtender Certified Advisor Review™
Oct 4, 2024
Michael is the best Financial Planner that I have ever worked with - he is organized, passionate for his clients success, focused on his clients requirements and diligent to provide the best services possible.
Relationship to Financial Advisor: Client as of Oct 4, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Larry Dukes
Larry Dukes

Michael helped us achieve complete student loan forgiveness

✅ Wealthtender Certified Advisor Review™
Oct 2, 2024
My husband and I were four years into a comfortable retirement last October when student loan payments resumed and we were faced with a crushing amount of student loan debt and unmanageable monthly payments on limited incomes. Although I'd read and researched everything I could to find solutions to our desperate dilemma, I could find no viable answer, even after talking repeatedly with our loan servicer. It wasn't until we were introduced to Michael with his extensive knowledge and experience about the federal student loan system as a Certified Student Loan Professional that we were able to see some light and hope at the end of a very dark tunnel. Michael was able to guide us through the morass of changing student loan initiatives, explain confusing and convoluted regulations and requirements, and provide sound advice based on his experience. He was also tireless in his efforts to help us find a way to reduce the unwieldy monthly payments we were facing. Our original goal in seeking Michael's assistance was just to get our payments to a manageable amount for us. However, through Michael's dogged persistence and insistence on looking into every possible option for relief for us, he was able to uncover our eligibility for Public Service Loan Forgiveness. With his help and guidance, we navigated our way through a year of unexpected twists, turns, setbacks and uncertainty to finally be informed that we were eligible for complete student loan forgiveness due to my husband's extensive career in public service. While we had looked at the PSLF program initially as an option, it was Michael's understanding of the intricacies of the program that helped make it work for us. How any regular people can navigate the convoluted and undecipherable student loan regulations and environment alone is an unfortunate mystery. We could not have done it and reached a better than hoped for resolution without Michael Acosta's knowledge, experience, and persistence. Thank you, Michael!
Relationship to Financial Advisor: Client as of Oct 2, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Rachel and Winston Bagley
Rachel and Winston Bagley

Highly Satisfied

✅ Wealthtender Certified Advisor Review™
Aug 12, 2024
My wife and I are both healthcare workers in our 30s dealing with student loan debt, a mortgage, 401ks, Roth IRAs, and other pretty normal things for people in our demographic. We considered enlisting the help of a financial advisor for a long time prior to pulling the trigger with Michael and Brady. Michael and Brady assured us that they could help us develop a plan to strategically pay off debt while optimizing our investments and protecting ourselves from financial risk. These guys are the real deal. They helped us understand difficult concepts and navigate the confusing, paper-work filled world of getting our finances streamlined and optimized. If you are reading this, you are probably weighing the pros and cons of spending money on a service designed to preserve your money. You may be wondering if these services are worth it. The answer is a clear and resounding “yes”. The amount of education these guys imparted upon us left us feeling like we had taken a course PLUS they even take the hassle out of much of the legwork associated with restructuring financial matters. We feel very fortunate and comfortable to have Michael and Brady in our corner and actively recommend them to our friends. They are passionate about what they do and they have a gift for making this stuff easy to understand. Most importantly, they are honest.
Relationship to Financial Advisor: Client as of Aug 12, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Taylor Callahan and Leigh Comerci
Taylor Callahan and Leigh Comerci

Excellent Financial Advisor and a man of integrity

✅ Wealthtender Certified Advisor Review™
Aug 6, 2024
Michael Acosta has been my financial advisor for approximately three years and has done an excellent job in guiding me through the evaluation process of my previous portfolio and his recommended changes. He advised me to create a pension for myself that would generate a lifetime of income--something I had not considered when I was investing on my own--that would be accessible immediately or in the future. My investments were reallocated to those that are not engaged in immoral activities; thus, allowing me to sleep peacefully, knowing that I am investing in companies that I would be proud to own. Michael meets with me regularly to review my portfolio and to make any adjustments that we jointly feel are necessary. Should I ever have additional questions, he is always readily available. After our meetings, he sends me a detailed synopsis with next steps that I have to take. I highly recommend Michael for anyone looking for an advisor who is knowledgeable and trustworthy. He is a man of high moral integrity and someone you can trust to guide you through market complexity and volatility.
Relationship to Financial Advisor: Client as of Aug 6, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for James Riveiro
James Riveiro

HIGHLY RECOMMEND

✅ Wealthtender Certified Advisor Review™
Jul 29, 2024
We have been working with Michael Acosta for some time now, and we couldn't be happier with the experience. Here are a few reasons why we highly recommend him: - Extensive Knowledge Base: Michael has an impressive understanding of all financial situations. Whether it's student loans questions, retirement planning, investment strategies, or tax advice, he always provides insightful and well-informed guidance. - Comprehensive Feedback: After every meeting, we receive detailed feedback that helps us understand our financial standing and the steps we need to take next. This level of thoroughness gives us great confidence in our financial planning. - Approachable and Easy to Talk To: Discussing finances is stressful for us, but Michael makes it a breeze. He is approachable, listens carefully, and always ensures our concerns are addressed. - Simplifies Complex Concepts: My wife often feels overwhelmed when it comes to financial discussions. However, she actually looks forward to our meetings because Michael has a unique ability to break down complex financial situations into simple, easy-to-understand terms. This has made a world of difference for us and our financial goals. Overall, Michael has exceeded our expectations in every way. If you're looking for someone who is knowledgeable, thorough, and easy to work with, we highly recommend him!
Relationship to Financial Advisor: Client as of Jul 29, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal Views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Ryan A
Ryan A

You should work with Michael!

✅ Wealthtender Certified Advisor Review™
Jul 29, 2024
I am a physician and started working with Michael when I was in medical training. He has guided me through best choices for my future at varying levels of income. He takes the time to explain why he is recommending a specific strategy, incorporates my goals as the primary driver of decisions, and personalizes his recommendations to my situation. Michael is always up to date on changes with student loans, which has happened multiple times in the previous years, and projects my savings based on what he is recommending. I am very happy with how my accounts have grown under his advice and cannot recommend him enough.
Relationship to Financial Advisor: Client as of Jul 29, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal Views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Katie Macmillan
Katie Macmillan

EVERYONE needs Michael-Best Financial Advisor!

✅ Wealthtender Certified Advisor Review™
Oct 5, 2023
My husband and I are in our mid-40's with three young children. We both have good careers. For many years, we just continued our normal day-to-day things with our finances. To be honest, we really didn't know about financial advising as its not something we were ever educated on growing up. We met Michael and we immediately connected. He knows our family and always asks how we are doing. We have been now working with him for 2 years and SO SO glad we started. He is a great resource for ALL financial needs. He is responsive and very thorough. He always educates us and never pushes us with anything. On top of this, he has been an incredible resource for my student loans. I had over 100K loans that were recently FORGIVEN through PSLF and this is because of Michael's support throughout the entire process to make sure it was done right! He really cares about his clients. He even sent us a small gift and card when my loans were forgiven. He's always checking in on us not just for financial needs during the year which truly shows he cares. I highly recommend using Michael for your financial planning in your family!! :)
Relationship to Financial Advisor: Client as of Oct 5, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for DMO
DMO

Empowering Student Loan Solutions: A Genesis Wealth Planning Experience

✅ Wealthtender Certified Advisor Review™
Oct 2, 2023
Genesis Wealth Planning's student loan planning service, led by Michael, proved invaluable in navigating the complexities of my specific student loan situation. Michael’s expert guidance was instrumental, providing clear, step-by-step instructions that made the overwhelming process of loan management manageable. His profound understanding of student loan intricacies ensured accurate, up-to-date information, fostering confidence in decision-making. Michael's personable and professional approach made discussing financial matters stress-free and comfortable. The service adeptly simplified the bureaucratic maze of student loans, breaking down jargon and making the entire process transparent and accessible. The experience exceeded expectations, offering exceptional support that not only resolved immediate concerns but also laid a solid foundation for future financial endeavors. I wholeheartedly recommend Genesis Wealth Planning to anyone seeking expert assistance with their student loans. Their expertise, combined with a friendly approach and commitment to simplifying financial complexities, makes them an outstanding choice for comprehensive financial guidance.
Relationship to Financial Advisor: Client as of Oct 2, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for RE
RE

Highly Recommend!!!

✅ Wealthtender Certified Advisor Review™
Sep 5, 2023
Michael is a great resource for your financial needs. He is thorough and easily accessible. Michael gave us several options for the best plan for our family and directed us in the right direction. In addition, he always made extra time to help us make calls or reach out to lenders as needed. I would highly recommend reaching out to Michael for a consultation and to hear how he can help your family. He has definitely made a significant impact for our family and personal finances.
Relationship to Financial Advisor: Client as of Sep 5, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Anonymous
Anonymous

Excellent financial advisor!

✅ Wealthtender Certified Advisor Review™
Aug 1, 2023
Michael has been my financial advisor for the past few years and I have nothing but positive things to say. My previous advisor just disappeared one day and he was able to pick up the pieces of my financial profile seamlessly. He is thorough, honest, knowledgeable and a huge asset to those of us who need guidance with their finances in regard to both short term and long term goals. He is punctual, always answers emails within a timely manner and our quarterly meetings are extremely helpful. He also recommended that I refinance my mortgage when interest rates were low which I did not even think of (I thought the process would be cumbersome and time intensive but it was not at all thanks to his recommendation). Reaching out to Michael for financial guidance was one of the best financial decisions I've ever made.
Relationship to Financial Advisor: Client as of Aug 1, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Tynisha H
Tynisha H

Trustworthy guidance for family planning

✅ Wealthtender Certified Advisor Review™
Jul 11, 2023
Michael has been a trusted resource to me and my family for several years. Financial planning can be difficult but he has a way or making it simple and easy. It is reassuring to know someone is operating with our goals and objectives in mind. I value the annual reviews and analysis to stay on top of our goals.
Relationship to Financial Advisor: Client as of Jul 11, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Anthony
Anthony

Down to earth and handles business

✅ Wealthtender Certified Advisor Review™
Jul 11, 2023
My wife and I had to change advisors because our old one retired. We were nervous to start over so to speak and didn’t know what to expect. From our first meeting with Mike we really liked his style and down to earth demeanor. He wasn’t pushy and didn’t over step his boundaries with his approach to handling our finances as other advisors we interviewed did. He has well thought out approaches to things, explains them well and is patient to let us make a decision without any pressure. He makes sure to educate us on what we’re doing and why we’re doing it. He is also very good at recapping conversations in follow up emails so that everyone is on the same page. Overall we have been very pleased with Mike and would recommend him to anyone.
Relationship to Financial Advisor: Client as of Jul 11, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Matt and Cindy W
Matt and Cindy W

Holistic Approach to Finances

✅ Wealthtender Certified Advisor Review™
Jun 16, 2023
Michael was highly recommended to me back in 2018 after I struggled interviewing multiple condescending financial advisors. He was a breath of fresh air; his passion and genuine care won me over and I have been recommending him ever since! He's extremely knowledgable, but also down-to-earth and makes everything easy to comprehend. He does a thorough review and sends a detailed recap of my investment strategy and action items after each meeting that I find extremely helpful. My favorite thing about Michael is how he looks at my finances with a holistic perspective. Our first meeting was all about me as a human - my career journey, family, short-term and long-term goals, etc. NOT what stocks and bonds I need to invest in and how much assets I have. He's never come across as sale-sy, but is more like a fan and truly wants to see me succeed. I cannot say enough positive things about Michael and am thankful I found him.
Relationship to Financial Advisor: Client as of Jun 16, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Morgan Yeargan
Morgan Yeargan

He's genuine and not a salesman - you'll regret not adding him to your team!

✅ Wealthtender Certified Advisor Review™
Jun 8, 2023
Michael has been a great addition for us over the last few years and has guided us financially as our family has grown. He's very approachable, available when life happens outside of scheduled meetings, patient and educational all at the same time. My wife and I have different levels of financial knowledge and he always makes sure we both understand plans and tools 100% before moving forward or considering any options. Our financial health would not be where it is today without Michael's partnership. Michael does a fantastic job of keeping long & short term financial goals in mind as our lives have evolved. He has helped us navigate: - Family protection ( insurance and wills) - Child birth & future planning for school - Home buying & selling - Job changes & total family income volatility - Job relocation to a new state (cost of living analysis/ job benefit comparison, etc) - Utilizing home equity conversations - Investment strategies with liquidity and long term growth in mind - Budgeting to maximize savings while still enjoying each life stage - Connections to other resources Michael is a great advisor, but for a family like ours that is young and growing, Michael's value is immeasurable. He's been empathetic but honest and given us the tools and skills to set us up for retirement and many other financial goals of ours.
Relationship to Financial Advisor: Client as of Jun 8, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Nicole and Mike C.
Nicole and Mike C.

Michael is Great!

✅ Wealthtender Certified Advisor Review™
May 25, 2023
Michael R. Acosta, CFP®, ChFC®, CSLP® is a tremendous help with our financial journey. He is honest and up front. With our goals in mind and risk tolerance established, he has put us on track to take down student loans/debts as well as help give us the steps to help optimize our retirement nest egg. Even more so, he has given us tools and steps to help protect ourselves, our assets, and our future selves and family. We can’t thank him enough. He is friendly and has great family values. We highly recommend his services!
Relationship to Financial Advisor: Client as of May 25, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal Views of this client and their experience do not suggest future results. No compensation was provided.
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Justin and Lisa

Great Advisor!

✅ Wealthtender Certified Advisor Review™
Apr 21, 2023
My husband and I started working with Michael a little over two years ago. We were trying to figure out how to properly save, pay off debts, and invest. This process has not been easy, but Michael has been wonderful at guiding us through it all. He is knowledgeable and great at explaining the things we did not initially understand. I am so proud of how far we've come financially and we could not have done it without Michael. Working with Michael has been one of the best decisions we could have ever made for our family and our finances. Thank you so much, Michael, for all you continue to do to help us grow financially.
Relationship to Financial Advisor: Client as of Apr 21, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
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Anonymous

Great to work with!

✅ Wealthtender Certified Advisor Review™
Apr 18, 2023
Michael has been great to work with over the years. He always takes my interests and concerns to consideration. He is often easily reachable for any questions or advise. I would highly recommend anyone to work with him for any financial concerns.
Relationship to Financial Advisor: Client as of Apr 18, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
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Rica

Michael Acosta is incredible!

✅ Wealthtender Certified Advisor Review™
Mar 7, 2023
I have had the pleasure of working with Michael Acosta to accommodate mutual clients and their financial needs for many years and he has been fantastic! I had the opportunity to experience his process first hand before I personally became a client and I was blown away by his knowledge, consistency and his genuine passion for wealth management. He is a joy to work with and has helped my family and I build a solid, financial foundation that will allow us to successfully retire when we are ready for it. I am confident in his recommendations and I follow his advice wholeheartedly. He is the best of the best!
Relationship to Financial Advisor: Client as of Mar 7, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Keena
Keena

Investing with Values

✅ Wealthtender Certified Advisor Review™
Feb 15, 2023
Michael is a great, knowledgeable guide in everything we've discussed. What has really set him apart is his ability and excitement to help me invest according to my Christian values. It was important for me not to invest in companies mistreating their employees or others, harming human life, destroying creation, or otherwise promoting evil. Michael found options that I've been very pleased with!
Relationship to Financial Advisor: Client as of Feb 15, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Andrew
Andrew

Michael Acosta

✅ Wealthtender Certified Advisor Review™
Jan 28, 2023
Michael is an exceptional financial planner with extensive knowledge in the finance field and the student loan industry. He truly cares about his clients and goes above and beyond to get you answers in a timely manner. He first helped me to obtain additional insurance in the event that I become disabled. He guided me on how to combine my retirement accounts and protect all of my assets (e.g., Umbrella policy). He reached out to me and encouraged me to apply for the PSLF program, which I wasn't aware changed the types of payments that qualified. As of today, my loans are 100 percent forgiven. This is a huge financial burden that has been lifted! Michael will always be my financial planner and I look forward to working with him in the next year and years to come! Highly recommend!
Relationship to Financial Advisor: Client as of Jan 28, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided.
Avatar for Alicia Wentz
Alicia Wentz
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