UPDATE: To schedule an appointment for select services online, click here.

Investment Services

Hawaii State Investment Services
Available through CUSO Financial Services, L.P.

Financial planning isn’t just for long-term goals like retirement. It’s just as valuable in helping you plan your month-to-month expenses and short-term objectives like vacations or saving for a first home. Take advantage of the services we offer and let our CUSO Financial Services, L.P. (CFS)* financial representatives help you reach your financial goals.

Retirement Income Planning

Retirement should be about enjoying yourself, not questioning your retirement plan. Our CFS representatives will provide you with the guidance and support you need to help take charge of your retirement.

Financial Planning

Investing isn’t just about money – it’s about your future. Let us help you create the future you want for yourself and your family. Whether you’re an experienced investor or new to investing, we’re here to help you every step of the way.

Retirement Planning

Just like anything in life, everything is easier when it’s in one place – and your retirement accounts should be no different. Our CFS representatives will help to streamline your investments and seek out new opportunities for your journey through retirement.

Investment Services for Business

The confidence in the relationship you have with your personal accounts now extends to your business. Let us help you set goals and plan for the future of your business. If you are looking for business services, insurance, or investment advice, Hawaii State Investment Services is here to help.

Education Planning

No matter your child’s age, it’s never too early to start planning for college. With our experience and guidance, we will help create the right plan to try to maximize your savings.

Insurance

Your life is impossible to replace. Life insurance can help provide you with peace of mind and help provide your family with financial stability and security when it matters most.


Meet Our Investment Services Team

Contact or schedule an appointment online with one of our CFS* financial representatives today to set up a no-cost, no-obligation consultation.

Michael Horton, CRPS®

Senior Financial Advisor
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 447-7057  |  [email protected]

Schedule an Appointment:
Kaneohe Branch  |  Salt Lake Branch

Photo of Michael Horton, Financial Advisor at Hawaii State FCU.

Horton is registered through CUSO Financial Services, L.P. (“CFS”)*. He has nearly 20 years of financial planning experience, specializing in Holistic Financial Planning, including retirement planning, life insurance, long-term care, and portfolio management. Horton holds his Series 7, 65, and 66 securities registrations as well as life and health insurance licenses.

Horton was most recently with the investments team at First Hawaiian Bank, where he helped clients with financial planning needs for 18 years. He is a graduate of the University of Hawaii at West Oahu, and has been a Chartered Retirement Plans Specialist (CRPS) since 2011. Horton is based out of Hawaii State FCU’s Kaneohe Branch and Salt Lake Branch.

Daniel Krase

Financial Advisor
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 426-4377  |  [email protected]

Schedule an Appointment:
Ali‘i Branch  |  Kaimuki Branch

Photo of Daniel Krase, Financial Advisor at Hawaii State FCU.

Krase is registered through CUSO Financial Services, L.P. (“CFS”)*. With more than 17 years of experience in the financial service industry, Krase’s approach is to truly get to know his clients’ financial situations so he can tailor personalized financial planning strategies to achieve all of their goals, with a focus on asset allocation and risk management. He holds his Series 7 and 66 securities licenses, as well as Hawaii life insurance license.

Krase got his start learning about financial planning and wealth preservation in an affluent and diverse market, transitioning to the Chicago Mercantile Exchange to become a trader in the equity market. He soon realized his passion was helping people create a better financial future, and he began to advise clients in downtown Chicago for 14 years, the last 10 years with J.P. Morgan Chase. Krase worked closely with attorneys on financial management for clients dealing with trusts, estates, and family dissolution. He also volunteered his time teaching financial literacy and budgeting workshops in churches and inner-city schools. Krase is based out of Hawaii State FCU’s Ali’i Branch and Kaimuki Branch.

Ross Kumasaki

Financial Advisor
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 791-1179  |  [email protected]

Schedule an Appointment:
Mililani Branch

Photo of Ross Kumasaki, Financial Advisor at Hawaii State FCU.

Kumasaki is a financial advisor for Hawaii State Investment Services Section. He is registered through CUSO Financial Services, L.P. (“CFS”)* and with more than 10 years of experience in the financial services and insurance industries. He is committed to providing sound financial advice to members at all steps of their financial journeys. Assisting them with investment and insurance strategies for retirement planning, wealth building, asset transfer to future generations, and more.

Previously Kumasaki was a vice president and financial consultant for American Savings Bank. He received his Bachelor of Business Administration in Business Management from the University of Miami. He also holds the FINRA Series 6, 7, 63, and 65 securities licenses, as well as the State of Hawaii life and health insurance license. Kumasaki is based out of Hawaii State FCU’s Mililani Branch and Member Service Call Center.

Lloyd Sugano

Financial Advisor
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 447-7057  |  [email protected]

Schedule an Appointment:
Hawaii Kai Branch

Photo of Lloyd Sugano, Financial Advisor at Hawaii State FCU.

Sugano is registered through CUSO Financial Services, L.P. (“CFS”)* and draws from more than 25 years of experience in financial services to offer personalized strategies for retirement planning, investing, education funding and life insurance. He works closely with credit union members as well as business owners, providing investment services and products to help clients achieve their financial goals. Sugano holds his Series 7, 63 and 66 financial securities licenses, as well as his license on all lines of insurance.

Prior to joining Hawaii State FCU, Sugano worked as a financial advisor at Allstate Financial Services and American Express Financial. He spent 10 years at First Hawaiian Bank, where he served as an insurance advisor and assistant vice president overseeing insurance product sales for branches on Oahu, Kauai, and Hawaii Island. Sugano received his bachelor’s degree from the University of Hawaii, College of Business Administration. Sugano is based out of Hawaii State FCU’s Hawaii Kai Branch and Kahului Branch.

Sean M. Umetsu, CFP®

Senior Financial Advisor
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 387-3261  |  [email protected]

Schedule an Appointment:
Main Branch  |  Queen Street Branch

Photo of Sean Umetsu, Financial Advisor at Hawaii State FCU.

Umetsu is registered through CUSO Financial Services, L.P. (CFS)* and works directly with members on investment and retirement planning as well as preserving and transferring of wealth.

Umetsu was previously at First Hawaiian Bank as a financial consultant for nine years and at Bank of Hawaii for nearly two years. He received his bachelor’s degree and his masters of business administration from the University of Hawaii at Manoa. He is a CERTIFIED FINANCIAL PLANNER™ professional and is securities licensed and insurance licensed in Hawaii. Umetsu is knowledgeable in employee benefits and retirement planning, estate planning, investment management and insurance. Umetsu is based out of Hawaii State FCU’s Main (Halekauwila) Branch and Queen Street Branch.

Regan S. Yamada

Senior Financial Advisor
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 426-4406  |  [email protected]m

Schedule an Appointment:
Pearlridge Branch

Photo of Regan Yamada, Financial Advisor at Hawaii State FCU.

Yamada is registered through CUSO Financial Services, L.P. (“CFS”)* and will provide a wide range of investment and insurance solutions to help clients achieve their financial goals. He specializes in helping members with investment and retirement planning as well as wealth preservation and wealth transfer strategies. Prior to joining Hawaii State FCU, Yamada served as a financial consultant at First Hawaiian Bank and American Savings Bank. He has been a licensed life and health insurance agent since 1977. Yamada is based out of Hawaii State FCU’s Pearlridge Branch.

Kimberly I. Weitzel

Financial Advisor
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 447-7075  |  [email protected]

Schedule an Appointment:
Ewa Beach Branch  |  Kapolei Branch

Photo of Kimberly Weitzel, Financial Advisor at Hawaii State FCU.

Weitzel is registered through CUSO Financial Services, L.P. (“CFS”)* and has more than 15 years of experience in the financial industry. She provides strategic financial management solutions for clients interested in investing, estate and retirement planning, retirement spending, long-term care solutions and more.

Previously Weitzel was a wealth advisor at First Hawaiian Advisors / Raymond James Financial Services, Inc. Prior to that, she was vice president and financial advisor at Bankoh Investment Services, Inc. Weitzel serves as a director advisor for the Aloha Diaper Bank. She received her Bachelor of Science in Business Administration from Hawaii Pacific University. Weitzel is based out of Hawaii State FCU’s Ewa Beach Branch and Kapolei Branch.

David J. Kimura

Investment Program Manager
CUSO Financial Services, L.P.
at Hawaii State Federal Credit Union

(808) 447-8083  |  [email protected]

David Kimura, Investment Program Manager at Hawaii State FCU.

Kimura is the Program Manager of the Hawaii State Investment Services Section. Registered through CUSO Financial Services, L.P. (CFS)* he oversees the investment program provided to members.

Kimura works directly with credit union staff, members, and our CFS team. He assists his clients with determining retirement planning, strategic asset allocation and wealth transfer strategies. He is committed to providing members access to sound and honest investment advice and solutions.

Kimura, a CFS financial advisor, previously with Edward Jones Investments, also ran his own company, Kimura Financial, Inc. He served as vice president and investment consultant at Central Pacific Bank for ten years, in addition to his experience with PaineWebber (now UBS).

Kimura received a bachelor’s of science degree from the University of Oregon. He holds the FINRA Series 7, 63, and 65 securities licenses. He also holds the State of Hawaii life and health insurance license.


Click here to learn more about Hawaii State Investment Services, available through CUSO Financial Services, L.P. or call (808) 447-7011 for more information.

Disclosures

* 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 Hawaii State Federal Credit Union. Hawaii State Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

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