With so many investment choices and opportunities, it is vital to seek reliable advice on those solutions that fit your specific needs. CFS* financial advisors at Community First are here to help get you started in planning for you and your family's future, and there's no better time than NOW! We are dedicated to helping you reach your lifetime goals by equipping you with the knowledge and skills necessary to achieve your objectives.
  • Investment Services
    We are dedicated to helping our members reach their lifetime financial goals; that's why we've formed a relationship with CUSO Financial Services, L.P. (CFS), a full-service broker-dealer and Registered Investment Advisor company formed in 1996 and headquartered in San Diego, California.

    Through CFS, we offer a complimentary consultation with a Financial Advisor who will work with you, one on one, using a comprehensive approach to help you identify and achieve your long-term financial goals.

    The following financial products and services are available:
    • Financial Planning
    • Estate Planning
    • Complimentary Educational Seminars
    • Mutual Funds
    • Tax-Deferred Annuities
    • Individual Retirement Accounts (IRAs)
    • Roth IRAs
    • Coverdell Education Savings Accounts (formerly Education IRAs)
    • 529 College Savings Plans
    • Retirement Plans -- 401(k), 403(b), SEP
    • Stocks
    • Corporate and Municipal Bonds
    • U.S. Government Securities
    For your complimentary consultation, call 904.371.8076.
    Wealth news Visit the Financial Education Libray to read the latest Wealth News article for tips and insight into the financial arena as it applies to you.

    Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.
  • Financial Advisors
    Zack Toelle Financial Advisor CUSO Financial Services, L.P. 904.371.8074

    Zack Toelle
    Financial Advisor
    CUSO Financial Services, L.P.
    904.371.8074

     

     


    Originally from Lakeland, Florida, Zack joined the Community First team of CFS Financial Advisors and plans to stay “for a very long time.”

    With two securities licenses in both Florida and Georgia under his belt—Series 7 and Series 66, along with the Florida Life Health and Variable Annuities Insurance license—Zack is qualified to help you invest your assets with careful consideration.

    Zack specializes in building members a financial plan that encompasses all areas of their life, especially with regard to retirement. In addition to specializing in state retirement options "DROP," Zack works one-on-one with business owners to set up and implement new plans and to monitor existing plans.

    Married with three children (four if you count the dog!),Zack has a passion for Ford Mustangs and Drag Racing. But where personal growth is concerned, Zack espouses a conviction of the late President Ronald Reagan: “There are no limits to growth, because there are no limits on human intelligence, imagination and wonder.”

    • Downtown
    • Hodges
    • Lakewood
    • Northside
    		 View Event Calendar

    To speak with Zack on how he can assist you with your financial planning needs, e-mail or call him at (904) 371-8074.



    Mark Fitzmorris
    Financial Advisor
    CUSO Financial Services, L.P.
    904.371.7969

    CFS 2011 Gold Pacesetter Award Recipient

    CFS 2010 Gold Pacesetter Award Recipient

    CFS 2009 Gold Pacesetter Award Recipient

    CFS 2008 Gold Pacesetter Award Recipient
    CFS 2007 Gold Pacesetter Award Recipient
    CFS 2006 Gold Pacesetter Award Recipient


    Mark holds a Bachelor of Science degree in Finance and International Business from the University of Colorado and has been a licensed financial advisor since 1998.

    He spent several years traveling and living abroad in different countries. Through his experiences, he brings an ability to understand people from a variety of backgrounds. Mark is a top producer and also makes the needs of our credit union members his top priority.

    Mark specializes in developing, implementing, and monitoring a holistic financial plan that encompasses all areas of your life, especially with regard to retirement. He also specializes in state retirement options, including Florida's Deferred Retirement Options Program, or "DROP."

    Mark is licensed to provide financial advice to Florida and Georgia residents, as well as residents of the following states: MD, MN, SC, TN, VA and Washington D.C. He is also licensed to sell life insurance in Florida and South Carolina.

    You can schedule a complimentary financial review with Mark at these branch locations:

    • Fleming Island
    • Orange Park
    • St. Johns
    • Westside    		 View Event Calendar


    To speak with Mark on how he can assist you with your financial planning needs, e-mail or call him at (904) 371-7969.



    Jennifer Harris, CFP®
    Financial Advisor
    CUSO Financial Services, L.P.
    904.549.8762


    Jennifer is a native of Jacksonville and a graduate of the University of North Florida. Having worked in financial services since 2001, she offers members and businesses tremendous experience in a large variety of services, including group employee benefits, group and individual retirement planning, insurance, investments and financial planning.

    Jennifer enjoys working with members to help them identify their financial goals and plan for the future. If you are ready to prepare for a comfortable retirement, fund a college education or help protect yourself and your family from financial risks associated with death or disability, Jennifer is ready to assist with practical recommendations for your needs.

    You can schedule a complimentary financial review with Jennifer at these branch locations:

    • Baymeadows
    • Beaches
    • Mandarin
    • UNF
    		  View Event Calendar




    To speak with Jennifer on how she can assist you with your financial planning needs, e-mail or call her at (904) 549-8762.     



    Tim Runac Financial Advisor CUSO Financial Services, L.P. 904.371.8113

    Tim Runac
    Financial Advisor
    CUSO Financial Services, L.P.
    904.371.8113


    With more than 20 years of experience in financial management, and 10 years as a Business Consultant throughout the Caribbean, South America and Central America, Tim offers our members reliable advice for any financial solution they seek.

    Tim holds a BBA in Finance and a Minor in Marketing from Florida Atlantic University. Both Insurance and Securities licensed in Florida, Tim specializes in Retirement planning, Estate Planning and Full Financial Planning, along with investments, insurance and long-term care products.

    Originally from Pittsburgh, Pennsylvania, Tim is right at home in Jacksonville,where he can enjoy all of his passions: tennis, scuba diving and golf.

    You can schedule a complimentary financial review with Tim at these branch locations:



    • Arlington
    • Lem Turner
    • San Pablo
    • Yulee    		  View Event Calendar


    To speak with Tim on how he can assist you with your financial planning needs, e-mail or call him at (904) 371-8113.



    Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.
  • Investing Online
    Do you prefer the full-service, face-to-face approach to working with a professional financial advisor, or are you more of a do-it-yourself investor who likes the convenience of online trading? Through our broker-dealer CUSO Financial Services, L.P. (CFS), you can do both!


    If you already have a brokerage account established with a CFS investment rep, you can view your investment portfolio by clicking on the “Portfolio View” button below.

    For the do-it-yourself investor, you can open a new online trading account or access an existing account by clicking on the eVISION® link.

    MY PORTFOLIO VIEW | eVISION

    Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.
  • Insurance Products
    The following insurance products and services are available:

    • Life Insurance
    • Disability Income Insurance
    • Long-Term Care Insurance
    • Term Life Insurance
    • Universal Life Insurance
    • Variable Universal Life Insurance


    For your complimentary consultation, call 904.371.8076.

    Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.
  • Calendar of Events: Investment Services Workshops and Events


    Community First Investment Serivices (CFS) hosts FREE workshops on a regular basis at various branches. Take a look at the Events Calendar to see when the next workshop will be at your neighborhood branch.

    View Event Calendar

    Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.

  • You know, now is the time to begin building a more financially secure future for yourself and your loved ones. Don't hesitate just because you don't know where to begin or because you think that it may be too late to start. Our Community First team of Financial Advisors (through our partnership with CUSO Financial Services, L.P.) are here to hep you get started. Now, let's explore Financial Planning for all the Stages of Your Life.

    Please select the appropriate financial planning stage to learn more.

    • Financial Planning: Stage 1 - Get Started

      Create a plan to determine how much money you can afford to invest. How much should you keep in your checking and savings accounts? How much can you afford to invest? Which investments are right for you?

      Don’t face these important issues alone. Our financial advisors understand the large variety of investment services available to all types of investors. They work with you to offer guidance on which first steps are appropriate for your situation to help maximize results.

      Why are there so many plans? Basically, your needs for income, growth, liquidity and safety are not the same as everyone else’s. Your goals, taxes, resources or attitudes regarding risk and reward may be different from other investors. This is where your C1 investment team can help to create a sound financial plan tailored to your long-term financial goals.

      We help you invest money while also preparing an adequate contingency fund for emergencies. We also work with you to make sure your life insurance needs are fully addressed.

      Contact your financial advisor today to find out about tax-advantaged accounts, such as IRAs, Custodial Accounts, 529 Plans*, Annuities, Trusts and Retirement Plans. We assist you with investment options and answers to all your investment questions.

      For your complimentary consultation, call 904.371.8076.

       

      * Most 529 plans are sponsored and administered by states. State tax benefits vary among the states, and some offer residents additional tax benefits if they invest in their own state plan. Consult your tax advisor for more information.

      Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.

       

       

       

    • Financial Planning: Stage 2 - Prepare for Your Child's College Education

      Your child’s education is one of life’s top priorities, but college expenses certainly take a crunch out of your wallet. Get a head start on your child’s college education by calling a financial advisor at Community First today. We can help you get started in a program that is right for both you and your child.

      As parents, we want to provide our children with the best educational tools possible for their continued success in life. A college education is obviously vital. However, the costs for college can be overwhelming. At an increase of about 5% per year, parents will be faced with school tuition and fees totalling $90,000 and above, with private college exceeding $200,000.

      Therefore, it is imperative to plan for your child’s educational needs. The first step to creating an effective College Education plan is to contact your financial advisor. We can explain options such as Coverdell Education Savings Accounts (CESAs), formerly known as education IRAs and other investment and insurance products such as Variable Universal Life Insurance.

      For your complimentary consultation, call 904.371.8076.

       


      * Most 529 plans are sponsored and administered by states. State tax benefits vary among the states, and some offer residents additional tax benefits if they invest in their own state plan. Consult your tax advisor for more information.

      Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.

       

       

    • Financial Planning: Stage 3 - Employment Changes

      Are your short and long-term needs covered if your employment situation changes? Make the most of a job or career change. Talk with one of our financial advisors today to make informed choices for your options.

      We are committed to your financial solutions. We can help answer your questions and explain all the option available to you. With our help, you can focus on you new job rather than worrying about finances.

      For your complimentary consultation, call 904.371.8076.

       

      Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.
    • Financial Planning: Stage 4 - Maximizing Your Investments

      With so many ways to expand your wealth, it can be difficult to decide which options are best. We can help you achieve your wealth goals by identifying which options best match your needs.

      For your complimentary consultation, call 904.371.8076.

       


      Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.
    • Financial Planning: Stage 5 - Retirement

      When was the last time you had your retirement plan reviewed? In this phase of life, the last thing you want to worry about are finances. How can you be assured that your plan will provide you with enough to last through your retirement years? Our financial advisors understand retirement planning and can show you how to properly plan for the retirement you deserve.

      For your complimentary consultation, call 904.371.8076.

       


      Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.

    •  



    Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and 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.