Every Milestone
Matters

We can help reach your goals.
Woman hiking

Investment & Wealth Management

Backed by RCU's commitment to service, our seasoned team of CFS* Financial Advisors provide quality investment products available through CUSO Financial Services, LP (Member of FINRA/SIPC).

Investment Products

Investment Products
  • Mutual Funds
  • Annuities
  • Stocks & Exchange Traded Funds
  • Bonds
  • Unit Investment Trusts
  • Real Estate Investment Trusts
  • Advisory Accounts
  • MLCDs
  • Life & LTC Insurance

Wealth Management

Wealth Management
  • Financial Planning
  • Retirement Planning
  • Asset Allocation
  • Education Planning
  • Business Retirement Accounts
  • Risk Management
  • Insurance Analysis

Meet the Advisors

Meet the Advisors

Learn More About Our Team

The CFS registered advisors associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AK, AR, AZ, CA, CO, FL, GA, HI, ID, IL, KS, ME, MI, MN, MS, MO, MT, NM, NY, NC, NJ, NV, OH, OK, OR, PA, SD, TX, UT, VA, WA and WV.

Visit FINRA’s BrokerCheck to check the background of our investment team.

Make an Appointment

Make an Appointment
Make a No-Cost Appointment Today!

Get started on a brighter financial future for you and your family by making a no-cost appointment with a CFS registered advisor at RCU today.

Call us today: 1 (800) 895-7610

*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.

*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.

About Dylan Carey

Serving Members Since 2016

Dylan Carey joined Redwood Credit Union in 2016 as a Financial Analyst and made the transition to Financial Advisor in 2021. He has always had a passion for economics and the capital markets which is why he earned a Bachelor of Science in Finance from Sonoma State University.

Dylan’s strong analytical and communication skills allow him to effectively connect Members’ financial goals to their investments. “My goal in every meeting is to identify unnecessary expenses, increase earnings, and build an investment portfolio that fits the Member’s risk tolerance. Members should leave our meeting feeling calm and confident about the long-term plan we’ve implemented to help reach their goals.”.

One of my favorite investment quotes is: “Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it.”
– Albert Einstein

FINRA Licenses: Series 7, 66 - Life Insurance License: CA # 4035950
State Securities Licenses: CA, TN

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.

About Mark Nguyen

Mark joined the RCU wealth management team in 2018, bringing over 15 years of extensive experience in the brokerage/investment industry.

He believes success in achieving financial goals starts with a comprehensive wealth strategy. Mark is a long-time resident of San Francisco and would love the opportunity to help Members work toward reaching their investment and retirement goals.

“Together, we will identify what is most important to you. We’ll partner to formulate the investment strategies and solutions suited to your unique needs and financial goals.”

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.

About Chris Garcia

Serving Members Since 2019

Christopher Garcia joined Redwood Credit Union in 2019 and provides clients with investment advice, financial analysis, and portfolio management.

With more than 10 years of experience in the financial services industry, he understands the complex nature of unique financial situations, including managing individual client relationships.

“A good financial plan involves bringing the future into the present so that you can do something about your life goals now.”

FINRA Licenses: Series 7, 31, 63 & 66 - Life Insurance License: CA #0G18908
State Securities Licenses: CA, HI, PA

 

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.

About Sara Crouch

Serving Members Since 2018

Sara Crouch came to Redwood Credit Union in 2018 with 14 years of experience in wealth management and financial planning. She takes a balanced approach to help people reach their immediate and long-term goals.

“I greatly enjoy assisting people in the North Bay with their financial needs. My approach to serving our Members is not trying to address every concern right away, but chipping away at the most important, building on those small successes, and using that as a benchmark for the next phase of protecting their financial stability. While I can usually provide a product or service that can assist in the short term, my greatest contribution is to also make sure long- term goals are being examined to strive for the best possible outcome not only for now, but for later.”

Sara serves Members in Cloverdale and Santa Rosa.

FINRA Licenses: Series 6, 63 & 65 – Life Insurance License: CA #0D87798
State Securities Licenses: CA

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.

RCU Investments & Wealth Management

About Michael Ryan

Serving Members Since 2017

Prior to joining RCU in 2017 as a Financial Advisor, Michael has served as a Financial Advisor and Relationship Manager. He coordinates the financial affairs of individuals, families, and business owners throughout Marin and Sonoma County.

With a holistic investment philosophy, Michael strives to understand a client’s complete financial picture before recommending solutions. He educates his clients to help them make better decisions about their financial affairs.

“My goal is to bring clarity and simplicity to my clients’ financial lives, while becoming a trusted ally as they achieve personal, financial, and professional success.”

FINRA Licenses: Series 6, 7, 63, 66 – Life Insurance Licenses: CA #0I77530
State Securities Licenses: CA

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.

About Danielle Beasley

Danielle Beasley joined Redwood Credit Union’s wealth management team in 2013, initially serving as a licensed assistant before being promoted to an associate financial representative in 2016.

Ms. Beasley received her bachelor’s degree in communication, magna cum laude, from Biola University in La Mirada, Calif. She also received an associate degree in paralegal studies from Empire College in Santa Rosa, Calif.

“At Redwood Credit Union, I help Members design a clear financial roadmap for every stage of life,” says Ms. Beasley. “My passion is to create smart, well-rounded investment portfolios that ensure financial independence.” 

FINRA Licenses: Series 6, 63 — Life Insurance License: CA #0K37660

State Securities Licenses: CA

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.

About Lin Buencamino

Serving Members Since 2016

Lin Buencamino joined Redwood Credit Union as a financial representative in 2016, with expertise that includes relationship management and personal banking.

Working in the financial services industry since 2005, including providing investment advice since 2016, Ms. Buencamino understands the complexities of different economic and financial situations, including the financial needs of individuals and small businesses.

“At Redwood Credit Union, I use a comprehensive, personalized approach that enables me to help our Members create customized financial strategies,” says Ms. Buencamino, a graduate of Sonoma State University. “I’m passionate about helping people navigate the life changes that affect their financial situation.“

FINRA Licenses: Series 6, 63, 65 - Life Insurance License: CA #0I36682
State Securities Licenses: CA

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.

Join RCU Today

RCU Logo

Welcome!

Get started now

Join Now 

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

About Kevin Onizuka, CRPC®

Serving Members Since 2016

Kevin Onizuka joined Redwood Credit Union as a Financial Advisor in 2015, bringing an emphasis in comprehensive financial analysis to our seasoned RCU investment team.

“I enjoy helping Members reach their financial milestones and build a complete financial picture for their future and family. I utilize industry-leading financial planning tools to help Members create and sustain their financial plans. This allows me to create a roadmap of not only what we’re planning on doing, but how we’re going to accomplish it,” he said.

His go-to financial tip he shares with his clients: “Planning is key.  Creating a strategy to ensure a realistic goal with your finances is an absolute must.”

FINRA Licenses: Series 6, 7, 63, 66 - Life Insurance License: CA #0H06139
State Securities Licenses: AZ, CA, FL, HI, ID, MT, NV, NY, OR, SD, TX, WA

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.

About Clark Matthiessen, CFP®, CRPC®

headshot Clark Matthiessen

Serving Members Since 2001

Clark Matthiessen joined RCU Investment Services in 2001 as a Financial Advisor and is a Certified Financial PlannerTM professional. He is a sixteen time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top CFS registered representatives.

His investment philosophy includes a strong emphasis on education, based on the belief that “an educated investor makes a better investor.”

Mr. Matthiessen said he loves helping clients to develop investment strategies that meet their individual goals.

Pacesetter Awards:

Gold Pacesetter Award 2010, 2012, 2013 Gold – 2010, 2012, 2013, 2019, 2020
Silver Pacesetter Award 2009, 2011 Silver – 2009, 2011, 2015, 2016, 2018
Bronze Pacesetter Award 2003, 2004, 2005, 2007 Bronze – 2003, 2004, 2005, 2007, 2014, 2017

FINRA Licenses:  Series 7, 63, 65, 24 – Life Insurance Licenses: AZ #886866, CA #0C63928, CO #332263, ID #284684, MT #736801, NV #172905
State Securities Licenses: AK, AZ, AR, CA, CO, FL, GA, ID, IL, MN, MS, MO, MT, NV, NC, OH, OR, PA, TX, UT, VA, WA

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.

About Mike DeFazio, AIF©

Serving Members Since 2007

Mike DeFazio specializes in the areas of retirement planning and risk management. Helping Members work toward their financial goals is his top priority. Thanks to those efforts he is a recognized top Financial Advisor as an inductee into the CUSO Financial Services, L.P. (CFS) Hall of Fame in 2019.

“A well-planned and executed long-term investment strategy helps enable investors to be self-sufficient and financially independent, particularly in their retirement years,” he said.

Mr. DeFazio provides business, insurance, and investment expertise to RCU’s investment team, and is committed to helping Members reach their financial goals.

Pacesetter Awards:

Gold Pacesetter Award 2009-2013 Gold – 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020
Silver Pacesetter Award 2008 Silver – 2008

FINRA Licenses:  Series 6, 7, 63, 66 – Life Insurance Licenses: CA #0D98092, NV #1004587
State Securities Licenses: AZ, CA, GA, HI, ID, NV, OR, TX, UT, WA

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.

About Julie Nix, CRPC®

Serving Members Since 2014

Julie Nix joined Redwood Credit Union in 2014. With over a decade of experience in the financial services industry, Julie is passionate about making a difference in Members lives and helping them to see the big picture when setting long and short-term goals. “I believe in the importance of educating my Members about different investment solutions that are available while also listening to their concerns and making a recommendation that is unique to their situation” When you have a financial plan, it's easier to make financial decisions and stay on track to meet your goals. “I’d love to meet with you and get a plan in place!”

Pacesetter Awards:

Gold Pacesetter Award 2009-2013 Gold – 2018, 2019, 2020
Silver Pacesetter Award 2008 Silver – 2017

FINRA Licenses:  Series 6, 7, 63, 66 – Life Insurance License: CA #0H30758
State Securities Licenses: AL, AZ, CA, CO, HI, ID, KS, KY, MA, MN, NV, NC, OK, OR, PA, TX, UT, WA, WV, WI

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.

About Joseph Turfa, CRPC®

Serving Members Since 2009

Joseph Turfa has over 15 years of investment experience focused on retirement planning, wealth management and risk assessment. He is a seven time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top CFS financial advisors.

“I am a firm believer in a ‘holistic’ approach to financial planning– that all investments are good for someone, but they must be placed properly,” he said. “I am well-versed in market-based and insurance-based vehicles, in order to provide our Members with some of the best solutions to meet their individual needs and goals.”

Mr. Turfa taught financial strategies courses in 1997-2000 at the University of San Francisco and other locations throughout the San Francisco Bay Area. He and his wife also spent six years volunteer teaching in Peru.

Pacesetter Awards:

Silver Pacesetter Award 2012 Silver – 2012, 2018
Bronze Pacesetter Award 2013 Bronze – 2013, 2016, 2017, 2019, 2020

FINRA Licenses:  Series 7, 63, 65 – Life Insurance License: CA #0C44098
State Securities Licenses: CA, OR

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.

About Christine Foster

headshot Christine Foster

Serving Members Since 2001

Christine Foster has more than 20 years of experience as a Financial Advisor, and joined Redwood Credit Union in 2001 to help launch its investment services program. She is a sixteen time winner of the Pacesetter Award from CUSO Financial Services, L.P. (CFS) which recognizes top CFS registered representatives.

“The challenges and rewards of starting something from the ground up were irresistible. I wanted to make a difference,” she said.

She enjoys retirement planning for clients, along with the challenge of teaching Members how to save for the future.

“It’s great to have a job where I make a difference in helping people with their unique financial goals,” she said.

Pacesetter Awards:

Gold Pacesetter Award 2009, 2010, 2012, 2013 Gold – 2009, 2010, 2012, 2013
Silver Pacesetter Award 2005, 2007 Silver – 2005, 2007, 2011, 2014, 2015, 2017, 2018, 2019, 2020
Bronze Pacesetter Award 2006, 2008 Bronze – 2006, 2008, 2016

FINRA Licenses:  Series 6, 7, 63, 65 – Life Insurance License: CA #0B09299
State Securities Licenses: AZ, CA, HI, ID, IL, MI, MN, MT, NV, NJ, NY, OK, OR, SD, TX, UT, WA

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.

About Steven Kerston

Serving Members Since 2011

Steven Kerston joined Redwood Credit Union in 2010, specializing in the areas of insurance, retirement planning and risk management.

“Knowledge and service are key to the relationship between representative and client,” he said. “I make it a point to listen to my clients, discover their goals and objectives and provide quality solutions to help meet their goals and dreams.”

Steven believes a well-planned and executed long-term investment strategy helps enable investors to be self-sufficient and financially independent, particularly in their retirement years.

Pacesetter Awards:

Bronze Pacesetter Award 2013 Bronze – 2015, 2017, 2019

FINRA Licenses: Series 6, 7, 63 & 65 – Life Insurance License: CA #0G12454
State Securities Licenses: CA, FL, NV, OR, TX, VA, WA

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.

Login Help

Need Help Logging in to RCU Online?

If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

Sign up today for RCU Online banking.

enroll now

Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.

Join RCU Today

RCU Logo

Welcome!

Get started now

Join Now 

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

Choose Account Type

RCU Logo

Welcome!

Choose the Type of Account You Wish to Open

Personal       Youth

 

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Login Help

Need Help Logging in to RCU Online?

If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

Sign up today for RCU Online banking.

enroll now

Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.

Financial Wellness