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A sound financial future starts with careful planning. Whether you're a first-time investor or a seasoned one, an Investment Representative at San Mateo Credit Union can help you achieve your financial goals.  To get you on your way, SMCU has partnered with CUSO Financial Services, L.P. (CFS), a full-service broker/dealer and SEC Registered Investment Advisor.

To contact an Investment Advisor:

For inquiries about loans, deposits and other SMCU services:

Retirement Planning

Let us help you assess your current strategy to meet your financial goals. Using a proactive approach, we can help you evaluate your retirement investment options and gain a better understanding of the concepts behind realistic retirement planning and wealth preservation.

We provide 401K rollover and IRA account consolidation services to simplify your investment plan and save you time and paperwork. Discover investment products and services that may help you move in the direction of your dreams:

  • Individual Retirement Accounts: Roth, Traditional and Rollover
  • 401(k), 403(b), Simplified Employee Pension Plan (SEP)
  • Fixed and Variable Tax-Deferred Annuities
  • Mutual Funds
  • Life and Long Term Care (LTC) Insurance
  • Individual Stocks and Bonds
  • U.S Government Securities

Asset Allocation

A sound financial future starts with careful planning and asset allocation. Whether you are a first time investor or a seasoned one, a skilled Investment Advisor can assist you with achieving your financial goals.

  1. Help ensure your portfolio is diversified
  2. Know your investment time horizon

We provide our members and their families with investment services tailored to their unique situation. We can help you assess your current strategy to make sure your portfolio is on track to meet your life stage objectives.

Estate Planning & Inheritance

At San Mateo Credit Union, we can help you establish security for your family and loved ones by examining the financial impact and planning for end of life, including immediate cash needs and continuing income needs. Whether you are looking to pass funds along to your family or develop an investment and savings strategy for a recent inheritance, we are here to assist you.

We can help you determine how much life insurance you need to produce a sufficient income stream for your family.  At SMCU, we also can help you check beneficiary designations to avoid needless grief and hardship for surviving loved ones who are your intended heirs. 

College Funding

If being able to afford the cost of a college education and saving for your child’s future are causing you worry, we can provide assistance with a systematic investment plan to help you reach your goals.  Find out the cost and 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

Meet our CFS* Investment Advisors

Our Investment Advisors available through CUSO Financial Services, L.P.  (CFS)*, our broker-dealer at SMCU, will help you identify your long-range goals and help develop a plan to meet them.  It doesn’t matter if you’re new to the experience or if you’ve been investing all along...if you’re getting ready to plan for retirement or buy your first home.  Wherever you are on the road of life, you can take steps today to simplify tomorrow.

The CFS* Investment Advisors at SMCU are not bound to sell specific investment products, so you can make sure that the choices you make are appropriate for you and not for another’s financial gain.

Helping you reach your financial goals is our number one objective.  Working together, we’ll help you make sound financial decisions consistent with your comfort level, investment time-line and goals.  We can evaluate and build upon any existing financial plans but it’s important to have one that meets your unique goals and objectives.  The end result will be a strategy designed to help you build, protect, use and transfer assets in the most prudent way.

Our CFS* investment advisors at SMCU have extensive experience in planning and investments.  They are committed to providing you with the highest level of service and satisfaction to help plan and invest for the future.  With access to a wide variety of investment and insurance products, the CFS* Investment Advisors at SMCU can help make sure you have answers to these key questions:

  • Is your retirement money invested properly?
  • Will you have enough income in retirement?
  • What should you do with an existing retirement plan from a previous employer?
  • How will you pay for a child’s or grandchild’s education?
  • Financially, what would happen to your family if you died?
  • How will you pay for long-term care?

It’s easy to get started.  Please contact Patrick Thor at (650) 562-1250 or Emilio Johansen at (650) 817-1970 for a no-cost, no-obligation consultation.

The CFS Repersentatives associated with this site are registered to conduct securities business in the following states:  CA, OH

Resource Center

The following list of links is provided as a convenience for SMCU members. The calculators were not created by either San Mateo Credit Union (SMCU) or CUSO Financial Services, L.P. (CFS), and do not imply any guarantee, affiliation, sponsorship, or endorsement of any of the information contained within by either SMCU or CFS.

Investment Returns

There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.

How important is Social Security?

Use this calculator to determine how losing this important retirement asset could affect you.

Pension Plan Retirement Options

Use this calculator to help decide between joint survivorship and single survivorship pension options.

Traditional IRA Calculator

How can contributing to a regular IRA help you in your retirement?

401(k) Savings Calculator

A 401(k) can be one of your best tools for helping you create a secure retirement.

403(b) Savings Calculator

If you are an employee of a non-profit or tax exempt organization, a 403(b) can be one of your best tools for helping create a secure retirement.

Beneficiary Required Minimum Distributions

Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.

Required Minimum Distributions

Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account.

Retirement Income Calculator

Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

Retirement Planner

Quickly determine if your retirement plan is on track - and learn how to keep it there.

Retirement Pension Planner

Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.

Retirement Shortfall Calculator

Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.

401(k) Spend It or Save It Calculator

There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.

Roth IRA Calculator

Use this calculator to compare the Roth IRA to an ordinary taxable investment.

Roth IRA Conversion

This calculator will show the advantage, if any, of converting your IRA to a Roth.

Roth vs. Traditional IRA

Use this calculator to determine which IRA may be right for you.

Social Security Benefits

Use this calculator to estimate your Social Security benefits.

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