Welcome to the SACU Investment Center where we are focused on helping you make smart financial decisions - no matter what the goal. Our qualified investment representatives, available through CFS*, are available for complimentary full service consultations where they offer financial advice, review your portfolio and make trades for you.

Below are a number of financial planning topics our investment representatives can help you with:
  Retirement planning

  College education planning

  General investment

Available investment products include:
  Tax-deferred annuities

  Mutual funds

  Municipal bonds

  Full range of other investment services

Investment Representatives
Our investment advisors, Charles Lutz, Leonard Thomas, Nahid Karimjee, Rose Davila and Jennifer Saenz are registered investment representatives of CUSO Financial Services, L.P.* and all have many years of experience in the financial services industry.

  Chip, Leonard and Nahid are available for consultation by appointment at any SACU branch in San Antonio or Houston. Chip and Nahid can be reached by calling Rose Davila at 258-1442.  For an appointment with Leonard please call Jennifer at 258-1071.


Charles Day Lutz, IV (Chip)
Senior Investment Advisor "I help members plan for the longest, and most important, vacation of their lives...... retirement!"

Chip specializes in developing financial plans for members based on their objectives, time horizons and risk tolerances. A native of San Antonio and married with three children, Chip is a member of the Financial Planning Association. Chip holds Series 7, 63 and 65 securities licenses and a Group I Life insurance license. Chip is registered in the following states: Texas, Mississippi, New Jersey, Virginia, Washington, California, Maryland, Georgia and Louisiana.



Leonard Thomas
Senior Investment Advisor "My goal is to make sure that your needs are met and serviced, now and in the years to come."

Leonard emphasizes personalized service and follow-up, as he works closely with members to establish an investment plan designed to reach their specific financial goals. A native of San Antonio and married with one child, Leonard earned a B.A. in organizational psychology from The University of the Incarnate Word in San Antonio. He received his Chartered Mutual Fund Counselor Designation from the University of Colorado. Leonard holds Series 7, 63, and 65 securities licenses and a Group I insurance license. Leonard is registered in the states of Texas and Connecticut.



Nahid Karimjee
Associate Investment
Representative "I have always focused on each member as an individual, with goals and objectives unique to their own lifestyle."

Nahid specializes in helping members identify and reach their financial goals using custom financial strategies as a road map to their achievement. He enjoys spending time with family, golfing, hunting and fishing. A long term resident of San Antonio, Nahid earned a B.A from University of Texas at San Antonio and at a prominent San Antonio financial firm he earned the President's award for outstanding commitment to financial institution development. Nahid holds Series 7, 66 securities licenses and a Group I insurance license. Nahid is registered in the states of Texas, Mississippi, New Jersey, Virginia, Washington, California, Maryland, Georgia and Louisiana.



Rose Davila
Senior Licensed Financial
Assistant "My goal is to assist our members, prospective members and their families to achieve an understanding of the products and services we offer so that they can make informed decisions about their financial wealth and financial security."
Rose is a native Texan, wife and mother to a son. She has been a member of the SACU family for 20 years and holds Series 6, 7, 63 securities licenses as well as the Texas Life & Health Insurance license. Rose is securities licensed in the state of Texas.

Rose also serves as our Spanish speaking representative & translator for investments and insurance.



Jennifer Saenz
Licensed Financial Assistant "I am committed to ensuring that the members of SACU receive the best possible service and solutions to their investing and retirement needs."
Jennifer earned her BA in Finance from University of Texas, San Antonio in 2005. Jennifer also holds series 6, 7, and 63 securities licenses as well as the Texas Life and Health Insurance license. A native of San Antonio, Jennifer lives locally with her husband and two children. Jennifer is securities licensed in the state of Texas.

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Investment Calculators

   Estate Planning

   Money Management

   Upcoming Expense

   Bond Calculators

   Savings

   Retirement Planning

   College Planning


Your Investment Account
  View your investment portfolio.

Do you want to make your own investment decisions or make regular automatic investments?

Investment Risk Disclosure:
* 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. SACU has contracted with CFS to make non-deposit investment products and services available to credit union members.

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