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 registered investment advisory company.
Let SMCU help you assess your current retirement 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 offer 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
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.
- Help ensure your portfolio is diversified
- 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.
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.
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
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 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 Investment Advisors at SMCU are not bound to sell specific investment products, so you can be sure that the choices you make are right for you and not for another's financial gain.
Neil O'Connor
As an experienced Financial Advisor for over a decade, Neil brings a wealth of knowledge and experience to our credit union members. He holds all the necessary licenses and registrations to conduct securities and life insurance business in California. Neil is also registered in the following states to conduct securities business: MT, NM, OK, PA and VA. And because he has been in the business through all the ups and downs of the financial markets, he offers a seasoned perspective to help SMCU members plan wisely for the future. Neil also holds the necessary designations to offer Advisory Services without a proprietary conflict of interest.
Whether you need financial guidance regarding your existing investments or are just looking for alternatives to SMCU's traditional deposit accounts, Neil is here for you. Through SMCU's investment program with CFS, he can assist with a multitude of state-of-the-art resources available to all members. You can count on him to remain dedicated to you and your financial concerns, and to manage your investment relationship with strategic thinking and personal service.
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. |
Investments offered through CUSO Financial Services, L.P. (CFS) are not NCUA/NCUSIF insured, not credit union guaranteed, and may lose value. Investment Representatives are employed by San Mateo Credit Union and registered through CFS. San Mateo Credit Union is in partnership with CFS (member FINRA/SIPC).
