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Home » Invest & Insure » Financial Planning

Maximize your investment potential.

The Financial Advisors at Apple Financial Services LLC, through CFS*, can help you gain a more accurate picture of your investment potential and find the financial products to help you reach your fiscal dreams.

Whether you’re a beginner or experienced investor, our straightforward, objective investment advice is designed to save you time while making the most of your money. We are excited to offer assistance with your planning needs, such as:

  • Retirement Planning
  • 401(k), 403(b), IRA, DROP and PLOP Rollovers
  • College Funding
  • Estate Investing
  • Asset Management
  • Financial Planning
  • Tax Strategies
  • Income Planning

Our commitment doesn’t end when you have a plan. We’ll review your portfolio on a regular basis to make sure you’re staying on track or making the right adjustments along the way. Our Advisors will take time to get to know you so they can develop a customized investment plan that best fits your lifestyle.

Fred Dean

Frederick Dean, Jr.
CRPC
®†

Employed with Apple Financial Services since 2005

Licensed Insurance Agent since 1997
AK, CA, DE, DC, MD, MI, NY, NC, OH, SC, VA, WV

My Philosophy:

“Whether you‘re saving for your child’s education or planning for retirement, I can help. I provide assistance with a variety of asset management options.”

Chris Gabrys

Christopher J. Gabrys
CRPC
®†

Employed with Apple Financial Services since 2010

Licensed Insurance Agent since 1997
Currently licensed in CO, DE, FL, KY, MD, MI, NY, NC, OK, PA, SC, VA, WV

My Philosophy:

“I use a long term, conservative approach to planning and investing. My focus is to help you keep your independence, maintain your standard of living and protect your assets in retirement. I truly enjoy helping Apple members and their families reach their savings goals.”

Jim Waters

Jim Waters

Employed with Apple Financial Services since 2014

Licensed Insurance Agent since 1986
Currently licensed in DC, IN, MD, MS, PA, VA, WA, WV

My Philosophy:

“Together we’ll find financial products that help to maximize your earning potential and reach your fiscal dreams.”

Jon Davis

Jon E. Davis

Employed with Apple Financial Services since 2016

Licensed Insurance Agent since 1987
Currently licensed in VA, MD, DC, NJ, NY, DE

My Philosophy:

“Understanding my client’s goals and objectives and helping them meet their unique needs is my number one priority. Working together we create comprehensive strategies that encompass your goals, time frames, and risk tolerance. My goal is that every client achieves a sense of financial well-being and have the financial freedom to live with total confidence and comfort.”

Robert Gascon

Robert Gascon

Employed with Apple Financial Services since 2016

Licensed Insurance Agent since 2013
Currently licensed in VA, MD, DC

My Philosophy:

“I believe investors are best served when their financial advisor has one agenda – yours. You come first. Because you come first, I strive to do what’s right by you. That’s what makes me different. I will analyze your current financial picture in a variety of ways. This could include the areas of Investments, Estate Investment Planning, Insurance, Income Tax, Retirement Plans or Social Security. I will create a financial illustration and develop strategies that are suitable for your investment needs.”

Karen Paley

Karen Paley

Employed with Apple Financial Services since 2017

Licensed Insurance Agent since 2014
Currently licensed in VA, MD, MA, PA, RI, CA

My Philosophy:

“My career has been focused on education. I spent twenty years as a college English professor in Rhode Island and California, and now educate clients about investing for their future whether saving for a child’s college education, planning for retirement, or maximizing income in retirement. As a CFS* Financial Advisor, Karen assists clients with asset management, retirement solutions (including retirement income planning), college planning, long term care planning, estate planning, and wealth preservation and growth. Karen is a social impact investor and welcomes like-minded clients among the other clients she serves.”

Take the Next Step

Our representatives carefully select the investment products suitable for your needs. We’ll make careful choices and match you with products that help increase your earning potential. Schedule a no cost, no obligation appointment today.

*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. Apple FCU has contracted with CFS to make non-deposit investment products and services available to credit union members. Apple Financial Services LLC is a subsidiary of Apple FCU and is not directly affiliated with CFS. Tax preparation services are not affiliated with CFS. CFS and its Representatives do not provide tax advice. A qualified professional should be consulted for specific individual tax or legal guidance. †CRPC® is a registered service mark of the College of Financial Planning®.