Medicare 101
Enrolling in Medicare is one of the most important parts of your retirement. Learn the basics and more.
Together we can build a financial plan personalized to fit your financial needs and fuel your dreams.
Patelco Investment Solutions, available through CUSO Financial Services, L.P. (CFS)1, is dedicated to partnering with you to provide sound financial planning at every step of your personal journey.
Our experienced and knowledgeable CFS Financial Advisors take the time to listen to your unique needs before creating a plan that puts your best interests first.
Accessible in-branch service
As a Patelco member, you are invited to schedule a complimentary, objective consultation with one of our CFS Financial Advisors. Learn how we can help you reach your goals during this informative discussion. Topics may include any of the following:
Retirement Readiness
- Rollover Strategies
- IRAs, Roth IRAs, 401(k) and 403(b) Plans
- Retirement Planning
- Income and Distribution Planning
- Trust and Estate Planning
Investments and Insurance
- Managed Accounts
- Mutual Funds, Stocks and Bonds
- Fixed and Variable Annuities
- Tax-Advantaged Investments
- College Savings Plans
- Life Insurance
Learn more about our CFS Financial Advisors below. Check the backgrounds of our investment professionals on FINRA's BrokerCheck.
Darryl Hall, CRPC®
Financial Advisor, CUSO Financial Services, L.P.
Gold Pacesetter

Service Area:
Citrus Heights, Elk Grove, Folsom, Roseville, Sacramento
Contact Info:
dhall@patelco.org
Phone: 916.683.8404
Mobile: 916.397.6134
Fax: 925.847.1919
1300 E. Bidwell St. #155, Folsom, CA 95630
CA Insurance License: 0D10437
Associates of Darryl Hall, CRPC®

Hector Siqueiros
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Brentwood, Dublin, Fremont, Livermore, Pleasanton
Contact Info:
hsiqueiros@patelco.org
Phone: 510.784.5036
Mobile: 408.858.2991
Fax: 510.887.4368
Hablo Español
7010 Amador Plaza Road, Dublin, CA 94568
CA Insurance License: 0B31176
Associates of Hector Siqueiros

Jane Krueger, CFP®
Financial Advisor, CUSO Financial Services, L.P.
Gold Pacesetter

Service Area:
San Francisco
Contact Info:
jane.krueger@patelco.org
Phone: 415.442.7193
Fax: 415.778.2762
124 2nd Street, San Francisco, CA 94105
CA Insurance License: 0C14959
Associates of Jane Krueger, CFP®

Jay Long
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Concord, Fairfield, Lafayette, Walnut Creek
Contact Info:
jlong@patelco.org
Phone: 925.327.2333
Fax: 925.227.6382
3498 Mt Diablo Blvd Suite A, Lafayette, CA 94549
CA Insurance License: 0E85709
Associates of Jay Long

JR Pablo, CFP®
Financial Advisor, CUSO Financial Services, L.P.
Gold Pacesetter, Hall of Fame Producer

Service Area:
Danville, San Ramon
Contact Info:
jrpablo@patelco.org
Phone: 925.855.2409
Mobile: 925.785.9487
Fax: 925.847.1919
310 Hartz Ave., Danville, CA 94526
CA Insurance License: 0D53333
Associates of JR Pablo, CFP®

Sandra Gonzalez
Licensed Financial Associate, CUSO Financial Services, L.P.
sgonzalez@patelco.org
925.460.4642
Hablo Español

John Borbon
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Danville, San Ramon
Contact Info:
jborbon@patelco.org
Phone: 925.855.2408
Fax: 925.847.1919
310 Hartz Ave, Danville, CA 94526
CA Insurance License: 0J14617
Kristian Pavlov
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Berkeley, Castro Valley, Hayward, Oakland - City Center, Oakland - Webster, San Leandro
Contact Info:
kpavlov@patelco.org
Phone: 925.847.3689
Fax: 925.847.1919
2033 Shattuck Ave., Berkeley, CA 94704
CA Insurance License: 0M07077
Associates of Kristian Pavlov

Leif Tinsley
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Novato, Rohnert Park, Santa Rosa
Contact Info:
ltinsley@patelco.org
Phone: 707.573.7885
Fax: 925.847.1954
1965 Cleveland Ave., Santa Rosa, CA 95401
CA Insurance License: 0L71317
Mani Budwal
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Milpitas, Sunnyvale, Campbell, Santa Clara, San Jose - Almaden, San Jose - East
Contact Info:
mbudwal@patelco.org
Phone: 408.541.3705
Fax: 925.847.1919
332 W El Camino Real, Sunnyvale, CA 94087
CA Insurance License: 0K91624
Associates of Mani Budwal

Nancy Hernandez
Financial Advisor, CUSO Financial Services, L.P.
Gold Pacesetter

Service Area:
Daly City, San Mateo, SF Sunset/Noriega, San Bruno
Contact Info:
nguzman@patelco.org
Phone: 650.827.8715
Fax: 925.847.1919
Hablo Español
1050 Admiral Ct. Suite F, San Bruno, CA 94066
CA Insurance License: OH51392
Associates of Nancy Hernandez

1. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.