Investments

Helping you succeed – through every stage of your life

Your long-term financial success depends on the choices you make today. Achieving your financial goals happens when you start putting your money to work for you; and this requires a sound plan, and some tools that are just right to support your personal financial goals.

That’s where we come in. With our experienced CFS* financial advisor, we help you navigate the world of investing and cut through the investment jargon, so you can develop a customized game plan that you understand and have confidence in.  Let us help you put that plan into action.

Welcome

Wherever you are along your financial journey, we can help you reach your goals:

  • Planning for retirement

    We'll help you develop a plan designed to let you live the way you want in retirement.

    We can help with your TSP distribution or assist you with a wide array of retirement plans and investment vehicles, from mutual funds and IRAs, stocks and bonds, insurance and annuities, to long-term care. Whether you're just starting out in your career, near retirement, or have retired, we'll explore your needs and develop a retirement planning strategy unique to you.

    Here are just a few examples of how we can help:

    • Federal employee plans such as TSP, CSRS and FERS benefits analyses
    • IRAs and rollovers
    • 401(K)
    • Consolidate your retirement accounts

    Schedule a Complimentary Consultation

        
         
    Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.

  • Building wealth

    Building wealth can take time, and you need a plan to stay on track.

    It's important to have in place both a wealth creation and wealth management strategy that can help:

    • Increase the value of your net worth, such as with dollar cost averaging to the market1
    • Reduce risk by diversifying your assets
    • Manage risk as interest rates fluctuate

    Schedule a Complimentary Consultation

    1Dollar cost averaging, a systematic investment plan, does not assure a profit and does not protect against loss in declining markets. Such a plan involves continuous investment, so investors should consider financial ability to continue purchases through periods of low price levels.

  • Purchasing a home

    Buying a home can be exciting and nerve racking. Because it’s such a big purchase, it helps to have a plan that aligns with your overall personal financial strategy. 

    Whether you're saving for a down payment, budgeting for expenses and taxes, or evaluating your life insurance policy as you take on a mortgage, we'll help you make sound financial decisions, so you can live comfortably in your home.

    Schedule a Complimentary Consultation

  • Saving for your children’s college education

    College tuition is on a steady climb, but not going to college can be even more costly. Early planning can help your children minimize their tuition debt when they graduate.

    A 529 college savings plan is one of the best tools for saving money toward college expenses. As the investor, you put after-tax dollars into the plan. Growth of those invested dollars is tax deferred, and if you pull the money out to use on qualified educational expenses, all the gains are tax free.

    Additionally, as the investor you control the account for the beneficiary, so you can make sure it's used as you intended.

    Other ways of saving for college may be more appropriate for your situation. Talk to our experienced CFS* financial advisor for help in deciding what’s right for you.

    More information about 529 college savings plans can be found in the issuer's official statement or plan disclosure document which should be read carefully prior to investing.

    Schedule a Complimentary Consultation


See how your investments are doing

  • Two ways to view your investment account

    Check your account balance in iSky Online Banking

    To protect your privacy, we need your permission to make your investment account balance available in iSky Online Banking.

    To turn on your access in iSky Online Banking, please contact your financial advisor at 800.421.7111, ext 7581.  

    Log into My Portfolio View

    With My Portfolio View (MPV), you can:

    • Check your balances2
    • Review and download history
    • Retrieve documents and tax forms

    To obtain your MVP Member ID and password (not to be confused with your SkyOne member number), simply contact your investment advisor at 800.421.7111 x7581. If you forget your password or wish to change your security information, please contact CUSO Financial Services, L.P. (CFS) at 858.530.4486 or dvhelp@cusonet.com.

    2If your assets are held directly at a mutual fund or annuity company, you may not be able to view your account information online. Currently, not all mutual fund or annuity companies are participating in our online account service. New participants will be added periodically, please check with your advisor for updates.

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Meet Your Team

Meet Your CFS* Financial Planning Team

Geoff Palenik Photo  Linda Provencher PhotoAlex Choi Photo

 

Schedule a Complimentary Consultation

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

Federal Seminars and ChFEBCSM, Inc. owns the symbol marks ChFEBCSM, Chartered Federal Employee Benefits ConsultantSM and  ChFEBCSM logo in the U.S., which it awards to individuals who successfully complete Federal Seminars and ChFEBCSM, Inc. initial and ongoing certification requirements.

College Planning

Your children are your top priority, and a good college education can help provide them a great chance of success in life. Our CFS* financial advisor can both help you plan for your children's education as well as help them minimize their financial burden from the rising cost of college tuition.

  • 529 College Savings Plan

    A 529 college savings plan is one of the best tools for saving money toward college expenses. As the investor, you put after-tax dollars into the plan. Growth of those invested dollars is tax deferred, and if you pull the money out to use on qualified educational expenses, all the gains are tax free.

    More information about 529 college savings plans can be found in the issuer's official statement or plan disclosure document which should be read carefully prior to investing.


  • Coverdell Education Savings Account (ESA)

    This is an IRA that offers the potential of tax-free earnings when the funds are used for educational purposes. The contributions to the ESA are invested with the purpose of funding your children's education. While your contributions are not tax-deductible, any earnings from the ESA's investments may be tax deferred until they're distributed.

    If your child's qualified education expenses are equal to or more than the amount of the ESA distribution, your child will not be required to pay taxes on the ESA. 

    Talk to our CFS* financial advisor to find the best plan to help support your children's education.

CFS* and its representatives do not provide tax advice. For specific advice, please consult a qualified tax professional.

Complimentary Seminars

Complimentary Seminars

We provide informative presentations and Q&A's on a wide variety of financial planning topics, from retirement planning to federal employee programs.

We'll come to you! Let us know the topic you're interested in, and we will conduct a complimentary seminar at your location.

Request a complimentary seminar

Market Performance


*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. SkyOne Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.