Understanding Social Security
Social Security is an important part of your overall retirement income. Learn the basics to better understand how it can fit into your retirement plan.
Investors: Strategies for Navigating Stock Market Volatility
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)*, 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.

Service Area:
Elk Grove, Folsom, Roseville
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®

Sarah Swearinger
Licensed Financial Associate, CUSO Financial Services, L.P.
John O’Connors
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Citrus Heights, Sacramento
Contact Info:
joconnors@patelco.org
Phone: 916.864.5937
Fax: 925.847.1919
5499 Sunrise Blvd., Citrus Heights, CA 95610
CA Insurance License: 0J06995
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
7010 Amador Plaza Road, Dublin, CA 94568
CA Insurance License: 0B31176
Associates of Hector Siqueiros

Joseph Estabillo
Financial Associate, CUSO Financial Services, L.P.
Jane Krueger, CFP®
Financial Advisor, CUSO Financial Services, L.P.

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, CRPS®
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, CRPS®

Joseph Estabillo
Financial Associate, CUSO Financial Services, L.P.
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
5166 Mowry Ave., Fremont, CA 94538
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
JR Pablo, CFP®
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Danville, San Ramon - Crow Canyon
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.
Mani Budwal
Financial Advisor, CUSO Financial Services, L.P.

Service Area:
Milpitas, Redwood City, Sunnyvale, Campbell, Santa Clara, San Jose - Almaden, San Jose - East
Contact Info:
mbudwal@patelco.org
Phone: 650.839.8550
Fax: 925.847.1919
1105 Veterans Blvd. , Redwood City, CA 94063
CA Insurance License: 0K91624
Associates of Mani Budwal

Sean Pacumio
Financial Associate, CUSO Financial Services, L.P.
Nancy Hernandez
Financial Advisor, CUSO Financial Services, L.P.

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

Sean Pacumio
Financial Associate, CUSO Financial Services, L.P.
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.