Investment Services
Investment Services
Products and services available through CUSO Financial Services, L.P.*
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When it comes to planning for your future and dealing with everything from estate planning to investment analysis, it helps to have a professional who's experienced and knowledgeable to assist you along the way.
At ABNB, our Investment Services department works closely with our members to provide them with investment strategies that best match their unique situations.
If you’re interested in learning more about Investment Services, give us a call today at 757.523.5389.
Check the background of this firm on FINRA's BrokerCheck.
Our investment services include:
- Retirement and income planning
- Investment analysis and portfolio allocation
- Wealth transfer and estate planning strategies**
Through our broker-dealer, CUSO Financial Services, L.P.*, we offer a broad range of investment products* to help you implement your plans, including:
- Mutual funds
- Fixed, Equity-indexed, and Variable annuities
- Traditional and Roth IRAs
- 529 plans (college savings plans)
- Life and Long Term Care Insurance
- Individual stocks and bonds
Gary Friedman, Investment Advisor
Gary Friedman joins ABNB Financial available through CUSO Financial Services, L.P. * with more than twenty years of investment experience. He is a lifelong resident of Virginia Beach and received his Bachelor’s Degree from Virginia Tech. Gary believes in the importance of building client relationships through conversation about their objectives and goals. As a Virginia Beach native, he is excited to be part of a local community-based credit union to help our members with every stage in their financial lives whether its accumulating wealth, investing for income, saving for retirement, or considering estate planning issues. Each strategy is customized to the member’s goals and desires. Gary holds Series 7 and 65 securities licenses as well as Virginia Life, Health, and Variable contracts licenses.
Check the background of this investment professional on FINRA's BrokerCheck.
Heiner Kessler, Investment Advisor
Heiner joins CUSO Financial Services, L.P. at ABNB as a Financial Advisor following nearly a decade of assisting individuals in every stage of their financial lives. Kessler is well versed in all aspects of financial planning including: initiating IRAs, planning for college, establishing term insurance, income planning in retirement, long-term care insurance, and leaving a financial legacy.
Heiner looks forward to implementing his understanding of meaningful member relationships by developing personalized solutions for members and piloting appropriate adjustments as members’ goals and needs change over time. In order to offer best recommendations for ABNB members, Heiner Kessler holds series 6, 7, 63, and 65 securities licenses, as well as Virginia life, health, and variable contracts licenses.
Check the background of this investment professional on FINRA's BrokerCheck.
Michelle Grant, Investment Representative
Michelle Grant joins ABNB Financial available through CUSO Financial LP. A Philippines native, Michelle has over 15 years experience in the financial industry by helping members with their financial goals. She emphasizes on the importance of trust, honesty and integrity when building lifelong relationships. Michelle collaborates with members to discuss their objectives and needs to tailor a personalized plan to achieve financial success. With a wide array of ways to nurture and foster our members financial health, Michelle holds Series 6, 63, and 65 securities licenses, as well as life, annuities, and variable contracts.
Check the background of this investment professional on FINRA's BrokerCheck.
Robin Garcia, Financial Service Liaison
Robin Garcia joined the Investment Services team as a Sales Assistant in June 2020. Before working in Investment Services, she spent several years working in our ABNB branches taking the opportunity to learn the culture, products, and who our members are. Born and raised here in Hampton Roads she understands the economic and social environment of our members. Robin is a graduate from Old Dominion University in 2014 earning her bachelor’s degree in Business Administration with concentrations in Marketing and Business Analytics. She is focused on further building relationships with our members and wants make sure our members are educated on products that best serve their needs.
Check the background of this investment professional on FINRA's BrokerCheck.
“Do-it-Yourself” Online Trading
If you are an investor who wants to make your own decisions, eVISION is your premium choice for online investing in stocks, options and mutual funds, with commissions as low as $14.95 (complete pricing schedule available online upon sign-in). To assist you in your decision-making, we provide quotes, charts, and analyses for managing your portfolio. You have 24-hour access to the real-time information you need. Every day.*
eVISION® is a registered trademark of CFS.
*Extreme market volatility and trade volume may affect system access and execution.
You are being referred to CUSO Financial Services, LP (“CFS”) the brokerage firm and Registered Investment Adviser that provides non-deposit investment products and services through CFS Financial Professionals at your Credit Union. CFS and your Credit Union have entered into an agreement whereby the Credit Union may refer potential investment clients to CFS. Below is some important information for you to understand about this endorsement.
· The Credit Union is not a current investment client of CFS and is not affiliated with CFS.
- The Credit Union will receive compensation from CFS if you establish an investment advisory account with CFS or engage CFS for financial planning services.
o The Credit Union will receive up to 42% net of fees, expenses and overhead of the investment advisory fee or financial planning fee that you pay to CFS. The Credit Union will receive this fee for as long as you maintain an investment advisory relationship with CFS.
o You do not pay a higher investment advisory fee or financial planning fee because of the fee paid to the Credit Union.
· The Credit Union may compensate certain Credit Union employees to refer potential clients to CFS for investment advisory services. This creates a conflict of interest because the Credit Union employee may receive a one-time payment per referral if the potential client attends a meeting with CFS. The Credit Union employee receives the payment even if the potential client does not establish an investment advisory relationship with CFS.
- The Credit Union has a conflict of interest because it has a financial incentive to recommend that you establish an investment advisory relationship with CFS.
The Credit Union is not authorized to provide investment advice on behalf of CFS.
For important information related to our fees and services please review the CFS Form ADV Part viserinfo.sec.gov/firm/summary/42132.
* Investments are not NCUA/NCUSIF Insured, not Credit Union Guaranteed, and May Lose Value. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC), and 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. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. This e-mail is the property of CUSO Financial Services, L.P. ("CFS"). It is intended only for the addressee(s) and may contain information that is privileged, confidential, or otherwise protected from disclosure. If you are not the intended recipient(s), you are prohibited from copying, distributing, or disclosing this e-mail or its contents to any other person or entity. If you have received this e-mail in error, please immediately notify the sender at the e-mail address identified above and delete and destroy any and all copies of this e-mail. CFS reserves the right to review and monitor the content of any and all e-mail messages sent to or from this e-mail address. E-mail messages sent to or from this e-mail address may be stored on the CFS e-mail system.
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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.
**For specific tax advice please consult a qualified tax professional.
