Our Services

Getting Started: Together we can help you establish a strong financial foundation

In today's market, it's essential to work with a Wealth Advisor who can provide you insight and guidance based on an understanding of your unique situation. Click on one of the topics below for an overview of how we can help support your goals.

  • Traditional IRA
  • General Investment (Individual or joint accounts)
  • College Savings Plans
  • Managed Accounts
  • Mutual Funds, Stocks and Bonds
  • Fixed and Variable Annuities
  • Tax-Advantaged Investments
  • Life and Long Term Care (LTC) Insurance

During our meeting, we'll go through these six steps:

  1. Identify your unique goals and the level of importance of each goal specifically
  • Income sources
  • Investment assets
  • Savings
  • Other assets
  1. Identify the financial resources that will help fund the achievement of your goals
  2. Determine the balance of investment risk and return that is appropriate for you
  3. Create your personal plan outlining the investment and insurance services needed to help achieve your retirement goals
  4. Review and discuss your plan results together
  5. Take the steps to put your plan into action
  • Review your Social Security strategy
  • Establish the proper savings strategy
  • Implement an appropriate asset allocation strategy for your Investment Portfolio

With this comprehensive research meeting, it is our goal to help enhance your investment experience and better recommend strategies and solutions to meet your long- and short-term financial objectives. One of our CFS* Wealth Advisors can offer investment solutions to better serve our clients' needs; ones that include diversification in accordance with a client's goals and objectives, active account management and account rebalancing where appropriate.

Completing your personal financial plan together is a beneficial step toward identifying prudent investment solutions for your needs and you'll learn more about our comprehensive product offering such as:

If being able to afford the cost of a college education and saving for your child's future is a priority to you, we can provide assistance with a systematic investment plan to help you reach your goals. Find out the future cost estimates for college and funding methods so you can save or invest wisely and easily.

At SMCU, we can help your child attain the higher education that may solidify a successful future with the following products and services:

  • Coverdell Education Savings Accounts (ESA)
  • 529 College Savings & Qualified Tuition Plans
  • Education Fund Accounts


With retirement often lasting 20-plus years, amassing a large amount of money in investment accounts may not be enough anymore. Retirees should plan for ways to help their money grow and generate income. Fortunately, there are several possible solutions available for those looking to increase their income during their non-working years. Our CFS* Wealth Advisors can help you overcome several retirement income challenges and potentially create a predictable income stream by:

  • Designing a retirement plan
  • Uncovering your basic expenses and discretionary expenses
  • Evaluating current sources of retirement income
  • Identifying potential gaps between income and expenses
  • Anticipating fixed and discretionary expenses in retirement
  • Positioning assets to generate income
  • Uncovering new sources of income


In or nearing retirement, everyone should begin to look closely at their funds. If you have IRA's, 401(k)'s and pension plans scattered all over, you may want to consider consolidating your accounts**. With San Mateo Credit Union Wealth Management, available through CUSO Financial Services, L.P., one of our CFS* Wealth Advisors can help you. They are here to answer your rollover questions and find ways to:

  • Potentially save money on annual fees
  • Create opportunities to allocate, diversify, and rebalance in one portfolio
  • Offer valuable estate planning features
  • Simplify required minimum distributions
  • Provide access to one easy consolidated statement