Broker Check
Michael D. Ricinak, MBA, CFP®

Michael D. Ricinak, MBA, CFP®


Michael Ricinak is the Founding Partner of True Wealth Advisory Group and a Certified Financial Planner™. He founded True Wealth Advisory Group in 1989, so he could help people develop financial plans that would allow them to pursue their financial goals and help create better futures for themselves and their families.

Mike graduated from the U.S. Merchant Marine Academy in Kings Point, New York with a degree in Engineering, a U.S. Coast Guard issued Marine Engineering Officers license, and a commission in the U.S. Naval Reserve. He earned his MBA at St. Mary’s College in Moraga, CA, and his CFP® Professional Education Program Certificate from the College for Financial Planning in Denver, CO. He was awarded his Certified Financial Planner™ (CFP®) designation from the Certified Financial Planning Board of Standards in Denver, CO.

Mike and his wife Carolyn live in Walnut Creek, CA. They have two daughters, one living in Walnut Creek and the other living in Fort Worth, TX. When they are not spending time with their four local grandchildren, Mike and Carolyn enjoy travelling, volunteering, and touring around the scenic roads of the Bay Area.


Mike is a Registered Representative of Cetera Advisor Networks LLC, a registered broker-dealer and member FINRA/SIPC. He is also an Investment Advisor Representative of Cetera Advisor Networks LLC, a registered investment advisor.