About Investment Services
CommonWealth Central Credit Union has formed a relationship with CUSO Financial Services, L.P. (CFS), an independent broker/dealer, to provide a wide variety of services for our members, including investment services, insurance services, and online access to investment accounts.

At CommonWealth, we care about the investment and long-term financial needs of members like you! We focus on saving you time and money over big-name investment companies by providing:

• Lower brokerage fees
• Complimentary, no-obligation financial consultations
• More personalized service
• Lower cost online trading*
• And much more!

Investment Products and Services

• Full Service Brokerage Accounts
• Stocks
• Bonds
• Mutual Funds
• Complimentary Financial Planning
• Retirement Planning
• Investment Related Individual Retirement Accounts
• Tax-Deferred Annuities
• Tax-Free Investments
• 529 College Savings Plan
• Investment Portfolio Review

Insurance Services

• Term Life Insurance
• Variable Life Insurance
• Long-Term Health Care Insurance

 We Can Help Plan Your Retirement
A comfortable retirement is at the top of the list of what most of our members and clients are hoping to achieve. But getting there can sometimes be intimidating.

• How much income will you need when you retire?
• Where will your income come from when you retire? And will it be enough?
• Are you "on-track" to a comfortable retirement?
• How can IRAs help, and which type of IRA is best for you?

Let us help you get started with a complimentary financial plan! Contact a CFS Registered Wealth Advisor to schedule an appointment to discuss your long-term financial needs! A little planning will go a long way to achieving a comfortable retirement for yourself and your loved ones!

 IRA Rollovers – The Big Decision When Changing Jobs
Have you recently changed jobs? Have you left a job years ago but still have one or more retirement plans at former employers?

Leaving a job is a big change. One of the many important decisions you make during this time is what to do with your 401(k) or other types of retirement plans or pensions from your former employer. We can help answer the following critical questions:

• Should you take out some or all of your retirement plan's balance now?
• Should you "roll over" your retirement plan to an IRA?
• What tax issues do you need to be aware of?

We can help you discover all of your retirement plan options! The decisions you make concerning your 401(k) plan from your former employer can have a tremendous positive or negative impact on your retirement.

Let us help you find out how to make a positive impact on your quest for a comfortable retirement. To find out the best course of action for you and discover the many choices you have, contact a Wealth Advisor today.

Online Access
Together with CFS we provide the investment choices you want, and the tools and services you need to help you achieve your financial goals.

View your Investment Accounts Online - Use Member Portfolio View** for an instantaneous, online view of your financial positions with CFS (current as of the previous day and some fund direct accounts may not be available). No longer do you have to wait for a confirmation by mail, visit the office during working hours or wait on the phone while someone looks up your account. See your accounts in one convenient place and ready for your review.

Self-Directed Online Trading (eVision)** - If you are an investor who wants to make your own investment decisions, CFS is your premium choice for online investing in stocks, options, and mutual funds, with commissions as low as $14.95*. To assist you in your decision making, we provide quotes, charts, and analyses, plus high-powered tools for managing your portfolio and screening mutual funds. You have 24-hour access+ to the information you need, every day.

Free Financial Workshops
CommonWealth conducts a variety of free, no-obligation financial workshops designed to help you understand your financial options. Topics include: Stock Market Investing, College Savings Plans, Retirement Planning, Estate Planning, and much more! To find our current schedule and register for one of our financial workshops, please click here to go to our workshop calendar.

Contact a Wealth Representative
Whether your goals include planning for a secure retirement, saving for your child's education, earning more on your investments, saving for a home or finding out how to potentially save on taxes++, we can help you achieve your goals. Our on-site representatives are ready to help you plan for a more secure financial future today! To make an appointment with a Wealth Advisor, contact us at (408) 531-3222 or click here to make an appointment

 
Brian Horiuchi - Senior Wealth Advisor
Phone number: (408) 531-3393
Email: BHoriuchi@wealthcu.org
Click here for Brian's bio

CommonWealth Central Credit Union has formed a relationship with CUSO Financial Services L.P. (CFS). Products and services offered through CFS, an independent broker/dealer, are: not NCUA or NCUSIF insured, not credit union guaranteed, and may lose value. Wealth Advisors are employees of CommonWealth and registered representatives of CFS (member FINRA/SIPC). *For members using the online trading service, a complete pricing schedule is available online. **For a user I.D. and password, please contact a Wealth Advisor. +Extreme market volatility and trade volume may affect system access and execution. ++For specific tax advice consult a qualified tax professional.