Let’s Make a Plan

Patelco Investment Solutions, available through CUSO Financial Services, L.P. (CFS)1, is committed to partnering with you to provide sound financial planning at every step of your personal journey.

Our dedicated and experienced CFS Financial Advisors will take the time to discuss your unique needs, then create a plan that will help put you on the right track to accomplishing your financial goals.

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 .

Search Financial Advisors

Schedule a free consultation, advisors are available in-person or online.

CFS Financial Advisors

Darryl Hall, CRPC®

Financial Advisor

CUSO Financial Services, L.P.

Gold Pacesetter, Hall of Fame Producer

Darryl Hall, Chartered Retirement Planning CounselorSM,  believes that setting and achieving goals is not about luck, it's about seeking experienced investment advice, establishing confidence, creating a strategy, and relying on teamwork. By using a pragmatic and practical approach, he helps his clients achieve that balance - providing an educational viewpoint.

"It's important to personalize strategies and ensure follow-through to meet each client's unique needs. Since 2000, I've had the opportunity to analyze and review client assets, provide thorough recommendations, and offer valuable second opinions."

Darryl customizes investment plans for his clients. He has the experience and knowledge level necessary to help clients in the accumulation phase and retirement income phase. He also specializes in tax-advantaged investing, estate planning, and leaving a legacy.

Service Area:

Citrus Heights, Elk Grove, Folsom, Roseville, Sacramento

Contact Info:

dhall@patelco.org

Phone:916.683.8404 916.683.8404

Mobile:916.397.6134 916.397.6134

Fax: 925.847.1919

1300 E. Bidwell St. #155, Folsom, CA 95630

CA Insurance License: 0D10437

Request an Appointment

Darryl Hall, Chartered Retirement Planning CounselorSM,  believes that setting and achieving goals is not about luck, it's about seeking experienced investment advice, establishing confidence, creating a strategy, and relying on teamwork. By using a pragmatic and practical approach, he helps his clients achieve that balance - providing an educational viewpoint.

"It's important to personalize strategies and ensure follow-through to meet each client's unique needs. Since 2000, I've had the opportunity to analyze and review client assets, provide thorough recommendations, and offer valuable second opinions."

Darryl customizes investment plans for his clients. He has the experience and knowledge level necessary to help clients in the accumulation phase and retirement income phase. He also specializes in tax-advantaged investing, estate planning, and leaving a legacy.

JR Pablo, CFP®

Financial Advisor

CUSO Financial Services, L.P.

Gold Pacesetter, Hall of Fame Producer

JR is a Certified Financial Planner™ who has built a solid reputation on caring about his clients by formulating a plan, choosing investments around that plan, and tracking and monitoring those investments over time. When clients come to him for advice and planning, they experience a financial advisor who cares about creating a full-service financial plan that makes sense.

"I recommend tailor-made strategies and plans based on each client's unique situation. I do this to best help Patelco members reach their financial goals."

He is always focused on the client's individual needs, bringing value to any client who seeks his experience, including retirement planning, intergenerational asset management, as well as tax-advantaged investing. Knowledgeable about many investment opportunities, he specializes in the analysis and review of existing client assets and providing valuable second opinions.

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.

Service Area:

Danville, San Ramon - City Center

Contact Info:

jrpablo@patelco.org

Phone:925.855.2409 925.855.2409

Mobile:925.785.9487 925.785.9487

Fax: 925.847.1919

310 Hartz Ave., Danville, CA 94526

CA Insurance License: 0D53333

Request an Appointment

JR is a Certified Financial Planner™ who has built a solid reputation on caring about his clients by formulating a plan, choosing investments around that plan, and tracking and monitoring those investments over time. When clients come to him for advice and planning, they experience a financial advisor who cares about creating a full-service financial plan that makes sense.

"I recommend tailor-made strategies and plans based on each client's unique situation. I do this to best help Patelco members reach their financial goals."

He is always focused on the client's individual needs, bringing value to any client who seeks his experience, including retirement planning, intergenerational asset management, as well as tax-advantaged investing. Knowledgeable about many investment opportunities, he specializes in the analysis and review of existing client assets and providing valuable second opinions.

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.

Jane Krueger, CFP®

Financial Advisor

CUSO Financial Services, L.P.

Gold Pacesetter

Confidence is vital when helping someone with their financial goals. Jane Krueger, a CERTIFIED FINANCIAL PLANNER™, understands and respects that need. She has been advising clients on their investment and retirement needs for over two decades. Jane specializes in the analysis of client portfolios, giving an honest and unbiased evaluation of every situation - creating a customized retirement plan for clients to implement.

"Patelco members want to know how to reach their goals. Then they want someone to help them take action. I'm here to help change lives with action rather than procrastination."

By using a goal-oriented approach, her clients are presented with strategies for growth, preservation of assets, retirement income, and long-term care solutions.

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.

Service Area:

San Francisco

Contact Info:

jane.krueger@patelco.org

Phone:415.442.7193 415.442.7193

Fax: 415.778.2762

124 2nd Street, San Francisco, CA 94105

CA Insurance License: 0C14959

Request an Appointment

Confidence is vital when helping someone with their financial goals. Jane Krueger, a CERTIFIED FINANCIAL PLANNER™, understands and respects that need. She has been advising clients on their investment and retirement needs for over two decades. Jane specializes in the analysis of client portfolios, giving an honest and unbiased evaluation of every situation - creating a customized retirement plan for clients to implement.

"Patelco members want to know how to reach their goals. Then they want someone to help them take action. I'm here to help change lives with action rather than procrastination."

By using a goal-oriented approach, her clients are presented with strategies for growth, preservation of assets, retirement income, and long-term care solutions.

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.

Nancy Hernandez

Financial Advisor

CUSO Financial Services, L.P.

Gold Pacesetter

As a CFS Financial Advisor, Nancy Hernandez is passionate about helping clients and their families achieve their financial goals. She starts each relationship with an in-depth client profile meeting, reviewing current savings and investment plans, as well as gaining a solid understanding of their long- and short-term financial objectives. Nancy uses that information to craft a detailed financial strategy.

"Patelco members appreciate that I'm here to guide them through the financial planning process. When I can help them build a plan they can commit to and understand, I know I've done my job as their advisor. That's when we become partners in the process."

Because every client has different financial needs, Nancy is proud to provide the skill and knowledge necessary to plan toward their future, including educating clients about the many investment options available today. She's dedicated to working with clients to build a comfortable, customized plan that provides a solid financial solution.

Service Area:

Daly City, San Mateo, SF Sunset/Noriega, San Bruno

Contact Info:

nguzman@patelco.org

Phone:650.827.8715 650.827.8715

Fax: 925.847.1919

1050 Admiral Ct. Suite F, San Bruno, CA 94066

CA Insurance License: OH51392

Hablo Español

Request an Appointment

As a CFS Financial Advisor, Nancy Hernandez is passionate about helping clients and their families achieve their financial goals. She starts each relationship with an in-depth client profile meeting, reviewing current savings and investment plans, as well as gaining a solid understanding of their long- and short-term financial objectives. Nancy uses that information to craft a detailed financial strategy.

"Patelco members appreciate that I'm here to guide them through the financial planning process. When I can help them build a plan they can commit to and understand, I know I've done my job as their advisor. That's when we become partners in the process."

Because every client has different financial needs, Nancy is proud to provide the skill and knowledge necessary to plan toward their future, including educating clients about the many investment options available today. She's dedicated to working with clients to build a comfortable, customized plan that provides a solid financial solution.

Hector Siqueiros

Financial Advisor

CUSO Financial Services, L.P.

With nearly 20 years of financial services experience, Hector is committed to being a partner to his clients. He takes the time to listen and understand his clients’ goals and needs. He provides comprehensive, personalized recommendations and helps ensure his clients fully understand their options before moving forward.

“I believe that every client deserves effective and responsive service, and has a right to expect it from me as their financial advisor. I maintain high personal standards for serving each client and assisting to guide them to solutions that meet their unique financial goals.”

Hector takes pride in building long-term relationships, and helping clients to plan their entire financial lives, not just their immediate investment needs. He graduated from Santa Clara University, Leavey School of Business, with a B.S. in Finance.

Service Area:

Brentwood, Dublin, Fremont, Livermore, Pleasanton

Contact Info:

hsiqueiros@patelco.org

Phone:510.784.5036 510.784.5036

Mobile:408.858.2991 408.858.2991

Fax: 510.887.4368

7010 Amador Plaza Road, Dublin, CA 94568

CA Insurance License: 0B31176

Hablo Español

Request an Appointment
With nearly 20 years of financial services experience, Hector is committed to being a partner to his clients. He takes the time to listen and understand his clients’ goals and needs. He provides comprehensive, personalized recommendations and helps ensure his clients fully understand their options before moving forward.

“I believe that every client deserves effective and responsive service, and has a right to expect it from me as their financial advisor. I maintain high personal standards for serving each client and assisting to guide them to solutions that meet their unique financial goals.”

Hector takes pride in building long-term relationships, and helping clients to plan their entire financial lives, not just their immediate investment needs. He graduated from Santa Clara University, Leavey School of Business, with a B.S. in Finance.

Jay Long

Financial Advisor

CUSO Financial Services, L.P.

As a seasoned professional, Jay Long is keenly aware that timing and a hands-on approach to investing is essential in today's world of investments. With nearly 30 years of experience, Jay provides a comprehensive perspective to manage a client's financial plans across both up and down markets. He enjoys helping them understand and plan their personal road to retirement and beyond - to the years during retirement.

"I'm honored to be here to help Patelco members find the answers they need to plan for and enjoy their retirement years."

Over the last three decades, Jay has earned the confidence and admiration from countless clients. He understands that everyone's risk tolerances and investment goals are unique. Employing an informed and time-tested perspective for every client relationship, Jay educates families and individuals to help them chart a path toward success.

Service Area:

Concord, Lafayette, Walnut Creek, Fairfield

Contact Info:

jlong@patelco.org

Phone:925.327.2333 925.327.2333

Fax: 925.227.6382

3498 Mt Diablo Blvd Suite A, Lafayette, CA 94549

CA Insurance License: 0E85709

Request an Appointment

As a seasoned professional, Jay Long is keenly aware that timing and a hands-on approach to investing is essential in today's world of investments. With nearly 30 years of experience, Jay provides a comprehensive perspective to manage a client's financial plans across both up and down markets. He enjoys helping them understand and plan their personal road to retirement and beyond - to the years during retirement.

"I'm honored to be here to help Patelco members find the answers they need to plan for and enjoy their retirement years."

Over the last three decades, Jay has earned the confidence and admiration from countless clients. He understands that everyone's risk tolerances and investment goals are unique. Employing an informed and time-tested perspective for every client relationship, Jay educates families and individuals to help them chart a path toward success.

John Borbon

Financial Advisor

CUSO Financial Services, L.P.

John Borbon builds life-long relationships with his clients in order to deliver a full-service customer experience — combining personal attention, financial planning, and retirement advice.

“I strive to help each of my clients plan for their financial future through comprehensive analysis with their goals in mind. My passion is for educating clients about investing and retirement planning and ultimately making a difference in their lives.”

John firmly believes each investor is unique, and investing is very personal. With the highest level of professional integrity, John recommends tailor-made strategies based on each client’s individual situation to help them reach their financial goals.

Service Area:

Danville, San Ramon - City Center

Contact Info:

jborbon@patelco.org

Phone:925.855.2408 925.855.2408

Fax: 925.847.1919

310 Hartz Ave, Danville, CA 94526

CA Insurance License: 0J14617

Request an Appointment

John Borbon builds life-long relationships with his clients in order to deliver a full-service customer experience — combining personal attention, financial planning, and retirement advice.

“I strive to help each of my clients plan for their financial future through comprehensive analysis with their goals in mind. My passion is for educating clients about investing and retirement planning and ultimately making a difference in their lives.”

John firmly believes each investor is unique, and investing is very personal. With the highest level of professional integrity, John recommends tailor-made strategies based on each client’s individual situation to help them reach their financial goals.

Kristian Pavlov

Financial Advisor

CUSO Financial Services, L.P.

Kristian Pavlov brings unmatched passion and enthusiasm in his approach to investing and retirement planning. This approach is firmly rooted in the belief that each client requires a customized solution based on their unique situation, risk tolerance, and time horizon.

“It’s all about education. With so much media and technological input, I think our current financial environment can be harder to navigate now more than ever before. I take pride in helping guide our members when achieving their financial goals.”

Kristian believes that financial planning is an ongoing, adaptive process. This pragmatic outlook allows him to work closely with clients to help create and apply custom financial strategies which will fit their short and long term needs.

Service Area:

Berkeley, Castro Valley, Hayward, Oakland - City Center, Oakland - Webster, San Leandro

Contact Info:

kpavlov@patelco.org

Phone:925.847.3689 925.847.3689

Fax: 925.847.1919

2033 Shattuck Ave., Berkeley, CA 94704

CA Insurance License: 0M07077

Request an Appointment

Kristian Pavlov brings unmatched passion and enthusiasm in his approach to investing and retirement planning. This approach is firmly rooted in the belief that each client requires a customized solution based on their unique situation, risk tolerance, and time horizon.

“It’s all about education. With so much media and technological input, I think our current financial environment can be harder to navigate now more than ever before. I take pride in helping guide our members when achieving their financial goals.”

Kristian believes that financial planning is an ongoing, adaptive process. This pragmatic outlook allows him to work closely with clients to help create and apply custom financial strategies which will fit their short and long term needs.

Leif Tinsley

Financial Advisor

CUSO Financial Services, L.P.

Leif Tinsley's goal is to make a difference in his clients' lives. Early in his career, he learned that developing relationships and trust is integral to financial advising. He meets each client from the perspective of “how can we work together to give you confidence and success within your investment goals”.

Helping clients realize their financial goals is a top priority. Whether clients are accumulating wealth, planning for a major expense, or nearing retirement, he assists in guiding them to solutions that fit the stage they are in with a long-term plan always in mind.

His strengths are listening and being aware of his clients' needs, while at the same time explaining and helping them feel comfortable along the way. With many years of' experience in financial services, Leif Tinsley is a problem solver that cares about his clients' financial future.

Service Area:

Novato, Rohnert Park, Santa Rosa

Contact Info:

ltinsley@patelco.org

Phone:707.573.7885 707.573.7885

Fax: 925.847.1954

1965 Cleveland Ave., Santa Rosa, CA 95401

CA Insurance License: 0L71317

Request an Appointment

Leif Tinsley's goal is to make a difference in his clients' lives. Early in his career, he learned that developing relationships and trust is integral to financial advising. He meets each client from the perspective of “how can we work together to give you confidence and success within your investment goals”.

Helping clients realize their financial goals is a top priority. Whether clients are accumulating wealth, planning for a major expense, or nearing retirement, he assists in guiding them to solutions that fit the stage they are in with a long-term plan always in mind.

His strengths are listening and being aware of his clients' needs, while at the same time explaining and helping them feel comfortable along the way. With many years of' experience in financial services, Leif Tinsley is a problem solver that cares about his clients' financial future.

Mani Budwal

Financial Advisor

CUSO Financial Services, L.P.

Mani Budwal brings a breadth of experience to investments and financial planning. His diverse background and training enables him to help clients pursue their long and short-term financial goals through comprehensive, individualized financial planning.

“I’m a big believer in awareness and education. I find that Patelco members often times don’t know about the kind of solutions that are available for them to help achieve their goals. It brings me a lot of happiness to financially educate our members and know that I have impacted them and their family’s lives for the better.”

Mani believes that a client-focused approach to financial planning helps to ensure that recommended solutions encompass each client’s goals, time horizon and risk tolerance. He specializes in investment analysis and works closely with his clients to develop a customized financial strategy that they are comfortable embracing. 


 

Service Area:

Milpitas, Sunnyvale, Campbell, Santa Clara, San Jose - Almaden, San Jose - East

Contact Info:

mbudwal@patelco.org

Phone:408.541.3705 408.541.3705

Fax: 925.847.1919

332 W El Camino Real, Sunnyvale, CA 94087

CA Insurance License: 0K91624

Request an Appointment

Mani Budwal brings a breadth of experience to investments and financial planning. His diverse background and training enables him to help clients pursue their long and short-term financial goals through comprehensive, individualized financial planning.

“I’m a big believer in awareness and education. I find that Patelco members often times don’t know about the kind of solutions that are available for them to help achieve their goals. It brings me a lot of happiness to financially educate our members and know that I have impacted them and their family’s lives for the better.”

Mani believes that a client-focused approach to financial planning helps to ensure that recommended solutions encompass each client’s goals, time horizon and risk tolerance. He specializes in investment analysis and works closely with his clients to develop a customized financial strategy that they are comfortable embracing. 


 

Sebastien Tomescu

Financial Advisor

CUSO Financial Services, L.P.

With nearly 10 years of credit union experience, Sebastien has a passion for helping Patelco members achieve financial wellness. He is equipped with a full range of financial planning strategies tailored to each person’s unique circumstances. He develops deep, long-term relationships and will carefully assess each member’s risk tolerance and time horizon to help them make informed investment decisions.

“My goal is to ensure our members spend less time concentrating on the financial aspect of their lives and more time pursuing the things that matter most to them.”

Sebastien has many years of comprehensive financial background experience and looks forward to meeting you and learning about your needs and aspirations.

Service Area:

Fairfield, Lafayette, Concord, Walnut Creek

Contact Info:

sebastien.tomescu@patelco.org

Phone:707.399.1968 707.399.1968

Fax: 925.847.1919

3101 Travis Blvd. Suite A, Fairfield, CA 94534

CA Insurance License: 4038951

Request an Appointment

With nearly 10 years of credit union experience, Sebastien has a passion for helping Patelco members achieve financial wellness. He is equipped with a full range of financial planning strategies tailored to each person’s unique circumstances. He develops deep, long-term relationships and will carefully assess each member’s risk tolerance and time horizon to help them make informed investment decisions.

“My goal is to ensure our members spend less time concentrating on the financial aspect of their lives and more time pursuing the things that matter most to them.”

Sebastien has many years of comprehensive financial background experience and looks forward to meeting you and learning about your needs and aspirations.

CFS Financial Associates

Madeline Siano

Financial Associate

CUSO Financial Services, L.P.

Madeline Siano

Contact Info:

msiano@patelco.org

Phone:510-728-2212 510-728-2212

, ,

Angie Prasad

Financial Associate

CUSO Financial Services, L.P.

Picture of Angie Prasad, Financial Associate, CUSO.

Contact Info:

aprasad@patelco.org

Phone:925.598.3955 925.598.3955

, ,

Anthony Adams

Financial Associate

CUSO Financial Services, L.P.

Picture of Anthony Adams, Financial Associate, CUSO.

Contact Info:

aadams@patelco.org

Phone:925.468.6309 925.468.6309

, ,

Carlina Phan

Licensed Financial Associate

CUSO Financial Services, L.P.

Carlina Phan, a Licensed Financial Associate with CUSO Financial Services.

Contact Info:

cphan@patelco.org

Phone:925.460.4657 925.460.4657

, ,

CA Insurance License: 4023912

Coreen Woehl

Licensed Financial Associate

CUSO Financial Services, L.P.

Coreen Woehl, a Financial Associate with CUSO Financial Services.

Contact Info:

cwoehl@patelco.org

Phone:916.864.5950 916.864.5950

, ,

CA Insurance License: 4243180

Sandra Gonzalez

Licensed Financial Associate

CUSO Financial Services, L.P.

Picture of Sandra Gonzalez, Financial Associate, CUSO.

Contact Info:

sgonzalez@patelco.org

Phone:925.460.4642 925.460.4642

, ,

CA Insurance License: 0I76450

Hablo Español

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Frequently Asked Questions

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.