Wealth Management

Help increase your potential

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, or you can do self-directed trading. And once you're a client, you can easily view your accounts within Online Banking. Schedule your no cost, no obligation portfolio review today.

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Our services  €

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.

retirement

Retirement Services

retirement-plan-rollovers-401k

Retirement Plan Rollovers 401(k), 403(b) and more

investment-management

Investment Management

estate-investment

Estate Planning

asset-protection

Asset Protection

life-insurance

Life Insurance

tax-strategies

Tax Strategies**

retirement-income-planning

Retirement 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.

Educators, we’re here to help you!

We specialize in retirement planning for the education community. We understand the complexity and uniqueness of your retirement plans and will walk you through the process to help you increase your retirement benefit and help you reach your financial goals. Our CFS* Financial Advisors are your professional resources for understanding guidelines for: 

  • Virginia Retirement Systems (VRS)
  • Educational Employees’ Supplementary Retirement System of Fairfax County (ERFC)
  • Fairfax County Employees’ Retirement System (FCERS)
  • Deferred Retirement Option Program of Fairfax County (DROP)
  • Partial Lump-sum Option Payment (PLOP)
  • Social Security Administration (SSA)
  • And more.

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Meet our team

FredDean
Frederick Dean, Jr. CRPC ®†
Employed with Apple Financial Services since 2005

Licensed Insurance Agent since 1997
Currently licensed in AK, AZ, CA, DE, DC, GA, MD, MI, MN, NY, NC, OH, PA, 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.”

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Call
ChrisGabrys
Christopher J. Gabrys CRPC ®†
Employed with Apple Financial Services since 2010

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

“By using a conservative approach to planning and investing, my goal is to help you keep your independence, maintain your standard of living and protect your assets in retirement.”
 
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JimWaters
Jim Waters
Employed with Apple Financial Services since 2014

Licensed Insurance Agent since 1986
Currently licensed in CA, DE, DC, GL, GA, IL, IN, MD, MS, NC, PA, SC, VA, WA, WV
My Philosophy:

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


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Jon Davis - Updated 120x160
Jon E. Davis
Employed with Apple Financial Services since 2016

Licensed Insurance Agent since 1987
Currently licensed in DE, DC, MD, NV, NJ, NY, SC, TX, VA
My Philosophy:

“Understanding my client’s unique goals and objectives and helping them meet them is my number one priority. My goal is that you’ll achieve a sense of financial well-being and will have the financial freedom to live with total confidence and comfort.”
 


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RobertGascon
Robert Gascon
Employed with Apple Financial Services since 2016

Licensed Insurance Agent since 2013
Currently licensed in CA, DC, MD, NJ, OH, SC, TN, VA
My Philosophy:

“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 create a financial illustration and develop strategies that are suitable for your investment needs.”
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Karen_Paley
Karen Paley
Employed with Apple Financial Services since 2017

Licensed Insurance Agent since 2014
Currently licensed in CA, CD, MD, MA, NM, NY, NC, PA, RI, SC, TX, VA
My Philosophy:

“I spent 20 years as a college professor, and will guide you about investing for your future, including saving for a child’s education, or planning for or maximizing income in retirement.“



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Edward Hays
Edward Hays, CFP®
Employed with Apple Financial Services since 2018

Licensed Insurance Agent since 1985
Currently licensed in VA
My Philosophy:

“I believe in starting with a financial plan based on your personal situation. I believe in providing financial products and services which help support your plan. And I believe in taking action to have a better chance of accomplishing your plan.”

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More helpful resources

*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®.

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.

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