Investment Services

Community First provides comprehensive financial solutions to help you reach all your financial goals. With CUSO Financial Services, L.P. (CFS) as our broker-dealer, we’re proud to offer our members investment management and financial planning services from a team of advisors.

Investment Tools

A financial plan can help you have more confidence in your financial future. We offer complimentary financial plans through CFS*, utilizing MoneyGuidePro® from PIEtech℠

Keep financial goals in view with the Clear 1 Client Portal, the easy way to track and manage your investment accounts online.

Get important information on account limits, deductions, government benefits, and more, so you can plan your future confidently.

Enroll in our online portal for seamless account management between your Community First Credit Union account and your CUSO investments.

FAQs

How do I meet with a Financial Advisor?

To meet with a Financial Advisor, complete our contact form below or call us at 904.371.8076 and select option 9. Our Financial Advisors help members like you find solutions to meet their individual goals with well-matched investment opportunities and financial planning.

Complete the form to have a CFS* Financial Advisor contact you.

MoneyGuidePro® from PIEtech℠

We offer complimentary financial plans through CFS*, utilizing MoneyGuidePro® from PIEtech

Did you know that only 3 out of 10 Americans have a financial plan and 1/3  report they have no retirement savings? Working with a CFS* Financial Advisor can help. 

As a Community First Member, you're eligible for a no obligation, complimentary financial review with a CFS* Financial Advisor. During this free consultation, your advisor can help you build a customized plan utilizing our comprehensive financial planning software, MoneyGuidePro®**

Advice is essential, now more than ever. That's why now's the perfect time to take advantage of this complimentary financial review. Take the steps to put your plan into action and get recommended strategies and solutions to meet your long- and short-term financial objectives.

What kind of retirement and investment products and services do you offer?

Through our broker-dealer, CUSO Financial Services, L.P. (CFS), we offer:

Retirement Planning - You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get from Uncle Sam may not provide enough income for your retirement years.  
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Estate Planning - Isn't estate planning only for the rich? In a word, no. Estate planning allows you or anyone to implement certain tools now to ensure that your concerns and goals are fulfilled after you die. Your objective may be to simply make sure that your loved ones are provided for. Or you may have more complex goals, such as avoiding probate or reducing estate taxes.
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Financial Planning - Why is financial planning important? A comprehensive financial plan serves as a framework for organizing the pieces of your financial picture. With a financial plan in place, you'll be better able to focus on your goals and understand what it will take to reach them.
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Individual Retirement Accounts (IRAs) offering both Traditional and Roth - What is an individual retirement account (IRA)? An individual retirement account (IRA) is a personal savings plan that offers specific tax incentives to encourage you to save for retirement. Currently, there are two types of retirement IRAs. Traditional IRAs allow for tax-deductible contributions under certain conditions. Roth IRAs are funded with after-tax dollars, but may allow for tax-free withdrawals under certain conditions.
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College Saving Plans (529) - 529 savings plans are more popular than 529 prepaid tuition plans because they are broader in scope and more flexible. Most every state offers at least one 529 savings plan, but only a handful of states offer a prepaid tuition plan. Generally, you can join any state's savings plan, but you can only join your own state's prepaid tuition plan. The type of plan you choose will depend primarily on the type of college you think the beneficiary might attend
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Annuities - An annuity is a contract between you and an issuer (usually an insurance company). In its simplest form, you pay a premium in exchange for future periodic payments to begin immediately (an immediate annuity) or at some future date (a deferred annuity) and to continue for a period that can be as long as your lifetime.*
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Advisory Accounts - An advisory account, often referred to as a managed account or advisory account, is a type of investment account where a professional financial advisor or investment manager makes investment decisions and manages the portfolio on behalf of the account holder. These accounts are typically offered by financial institutions, brokerage firms, or registered investment advisors.
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Mutual Funds and Exchange Traded Funds (ETFs) - Learn more about A fund that pools the money of many investors and invests in many different securities, selected according to the fund's investing objective and strategy. Most mutual funds are open-end mutual funds; the number of shares varies with demand and the amount of money invested in the fund. Exchange-Traded Fund A fund that, like a mutual fund, pools the money of many investors and invests in many securities. Typically, an ETF invests in the securities included in a specific index.
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Life Insurance - Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your responsibilities once again begin to diminish, your need for life insurance may decrease. Let's look at how your life insurance needs change throughout your lifetime.
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Long-Term Care Insurance - As we get older and our health declines, the greater the chances are that we will require home care, nursing home care, or other assisted-living arrangements. This care is quite expensive, and Medicare, HMOs, and Medigap don't pay for it. You might want to look into purchasing long-term care insurance (LTCI) to protect your assets in case you need long-term care.
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How do I know which retirement plan is right for me?

Retirement looks different for everyone. We recommend scheduling a complimentary session with one of our CFS* Financial Advisors, available through CUSO Services, L.P. to help you create the best retirement plan to fit your needs. Contact us to get started or call us at 904.371.8076 and select option 9.

How do I view my investment accounts?

You can view your investment accounts in Online and Mobile Banking

To do so, you must first log in to your Clear 1 Investment Client Portal. 

Need to enroll in Clear 1? Get started. 

Who is CUSO Financial Services, L.P. (CFS)?
CUSO Financial Services, L.P. is a nationwide broker-dealers and Registered Investment Advisors that have specialize in working with financial institutions. They partner with us to provide successful and technologically advanced investment programs that meet the needs of increasingly-mobile investment clients.

*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. Community First Credit Union of Florida 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.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

©MoneyGuide, Inc. Reproduced with Permission. All rights reserved.
**IMPORTANT: The projections or other information generated by MoneyGuidePro regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The return assumptions in MoneyGuidePro are not reflective of any specific product, and do not include any fees or expenses that may be incurred by investing in specific products. The actual returns of a specific product may be more or less than the returns used in MoneyGuidePro. It is not possible to directly invest in an index. Financial forecasts, rates of return, risk, inflation, and other assumptions may be used as the basis for illustrations. They should not be considered a guarantee of future performance or a guarantee of achieving overall financial objectives. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment. Reproduced with permission.  All rights reserved.