Investment Team

Make smart moves with money.

Your financial roadmap needs products and services that allow you to plan and create opportunities for the future.

Invest with the Strength of Credit Human Behind You

We’re here to take a personal interest in your investment needs. Our CFS* investment advisor, Charles Lutz, has many years of experience in the financial services industry. To schedule a consultation appointment, please contact us, use the button below or call directly at 210-258-1442.

Check the background on these investment professionals at FINRA’s BrokerCheck.

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Charles Day Lutz, IV (Chip)

Executive Investment Advisor

Charles Day Lutz, IV (Chip)

Executive Investment Advisor

CUSO Financial Services, L.P.

"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 and holds Series 7, 63 and 65 securities licenses as well as a Life insurance license in Texas, Michigan and Maryland.

Rose Davila

Executive Investment Associate

Rose Davila

Executive Investment Associate

CUSO Financial Services, L.P.

"My goal is to assist members, prospective members, and their families in understanding investment products and services so they can make informed decisions about financial wealth and financial security."

Rose is a native Texan, wife, and mother to a son. She has been a member of the Credit Human family since 1992 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 and translator for investments and insurance.

Kevin Vigil

Investment Associate Advisor

Kevin Vigil

Investment Associate Advisor

CUSO Financial Services, L.P.

"You have worked hard to earn your money, now it is time to let your money earn for you."

Kevin is originally from Colorado Springs, CO however he now calls San Antonio home. Coming from a large military family Kevin knows the value of a dollar, teamwork and budgeting. He has been in the financial industry since 2009 bringing a wealth of experience to the team, he currently holds series 7, 66 and Texas Health and Life Insurance license. When he is away from work, he enjoys the outdoors and exercise.

Xavier A. Garza

Investment Associate

Xavier A. Garza

Investment Associate

CUSO Financial Services, L.P.

"We’ll get you to retirement and through retirement."

Xavier graduated with a B.S. in Accounting and Finance from Trinity University. On his off time, he likes to spend time outdoors through recreational hiking and camping. He currently holds Series 7 and 63 securities licenses as well as Texas Life & Health Insurance license. Xavier is fluent in Spanish and serves as a Spanish speaking representative for investments and insurance.

Gabriel Martinez

Investment Coordinator

Gabriel Martinez

Investment Coordinator

CUSO Financial Services, L.P.

"Our member’s lives are important, and my goal is to help them become financially secure so they can enjoy it."

Born and raised in San Antonio, Gabriel is a husband and a father. He enjoys an adventurous lifestyle that consists of activities like sports, exercise, hiking, and spending quality time with family. Gabriel has been a member of Credit Human since 2015 and is dedicated to the financial success of the people he serves.

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

Registered Representatives 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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