Our Objectives
We are independent advisors registered through CUSO Financial Services, LP. We are not obligated to specific products, but determine only the investments that will best help meet your needs. We strive to satisfy you and help increase your wealth by:
> Listening and helping you define your financial goals and objectives
> Recommending specific financial products with objectives that match yours

How We Operate
Diversification and asset allocation can help add a degree of safety. We understand that all members’ needs are different. Some want minimum risk. Others desire more active investments for a greater potential return. If your investments perform, you may be more confident about your financial future.

Our first meeting is an opportunity to get acquainted and evaluate your needs, with no cost or obligation. The sooner we start, the easier it will be for you to reach your goals.

Our Services
Colorado United’s Investments & Insurance Center provides the following services through CFS:
> Investments: Stocks, Bonds and Mutual Funds
> Retirement: SEP, SIMPLE, IRAs, 401(k) and 403(b)
> College Funding: 529 and Coverdell
> Long-Term Care Funding
> Life Insurance
> Business Planning
> Estate Planning
> Money Management

View insurance products here >
View NCUA Share Insurance Estimator here >

Full Service Investment Accounts
Are you unfamiliar with terms like margin account, dollar cost averaging, and no-load asset allocation funds? Does the thought of online trading make you break out in a cold sweat? Many people dread the thought of wading through the complicated world of investing. You know you have to start sometime, but where to begin?

Our Investments & Insurance Center “Full Service” investment option, through our broker dealer CUSO Financial Services, L.P. (CFS), caters to those individuals who seek comprehensive advice from an investment adviser in conjunction with:
> Insurance reviews, including valuation of “old annuities” for trade-in potential
> CUSO Asset Management (CAM Accounts) using mutual funds or indexing strategies
> Fixed and Variable Annuities (with managed portfolios and re-balancing)
> Immediate annuity quotes
> Individual Stocks and Bonds
> Pre and post-retirement planning including all types of roll-overs and tax-free transfers
> Portfolio reviews, analysis and assessments

Our center is staffed by a registered Senior Investment Advisor who is also a Certified Financial Planner™ practitioner (CFP) and is ready to assist you in meeting your investment goals and objectives.

Member Portfolio View
Colorado United’s Investment & Insurance Center is pleased to provide our members’ access to Member Portfolio View. This free service provides you with convenient 24-hour online viewing of you Full Service brokerage account**. To get started, please contact your Senior Investment Advisor at 720-540-4525 or via email investcfs@coloradounited.org and request your Member ID and Password. To access your account, simply click on the "Member Portfolio View" link below and enter your brokerage account Member ID and password in the boxes provided on the log-in page.

We hope you find Member Portfolio View a useful investment tool and we welcome any comments you would like to share with us.

529 College Savings Plans ***
With the rising costs of a college education, many families may be wondering how they will send their children to college. Fortunately, 529 Savings Plans have made it easier than ever to save for expenses associated with a college education. Plan benefits include:
> Tax Free Earnings
> Tax Free (qualified) withdrawals
> Flexible investment choices
> Estate and gift tax benefits

As a member of Colorado United, you can schedule a no-obligation appointment with our registered financial advisor at the nearest, convenient branch. To schedule an appointment please contact Ellen Rice at 720-540-4525 or email her at investcfs@coloradounited.org.



> Back to Individual Accounts

For specific tax advice, please consult a qualified tax professional. Products and Services offered by CUSO Financial Services, L.P. (CFS), are: not NCUA or NCUSIF insured, not credit union guaranteed, and may lose value. Investment Advisor's are registered through CFS. Member FINRA/SIPC and SEC Registered Investment Advisor.

Investment products and services offered through CUSO Financial Services, L.P. (CFS), an independent broker-dealer, are NOT NCUA/NCUSIF insured, NOT credit union guaranteed, and MAY lose value.  Representatives are independent contractors who work for Colorado United Credit Union and are registered through CFS. (Member FINRA/SIPC)

*Guarantees are subject to the claims paying ability of the issuing insurance company.
**Not all mutual funds or annuity companies participate in our online service. Therefore, assets held directly at a mutual fund or annuity company many not be viewable online. Please check with your adviser for updates.
***Tax provisions allowing for federal income tax-free withdrawals for qualified expenses expire 12/31/2010 unless extended by congress. State tax laws and treatment will vary. If your state offers a plan, you may want to consider what, if any, potential state income tax benefits it may offer.

Earnings withdrawn for non-qualified expenses will be subject to federal income tax and a 10% federal tax penalty. For specific tax advice, please consult a qualified tax professional.