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 Preparing for retirement, sending children to college, purchasing a first home — these are some of the lifestyle goals we set for ourselves, oftentimes without spending adequate time planning how to achieve them. Bay Federal Investment Services, registered through CUSO Financial Services, L.P. (CFS), is here to help you determine and plan for your varied financial goals. Located at Bay Federal Credit Union, our CFS Investment Advisors are available to guide you through important investment decisions with the latest information on a wide array of products including:
Bay Federal Investment Services offers complimentary financial consultations. Call us at 831.479.6000, or toll-free at 888.4BAYFED, option 7. Gina Bayer and Paul Clark CFP®, Investment Advisors, are employees of Bay Federal Investment Services and are registered through CUSO Financial Services, L.P. Investment Products and Services are offered through CFS, an independent broker dealer, are not NCUA/NCUSIF insured, not credit union guaranteed, and may lose value. Bay Federal Credit union is in partnership with CFS. (Member FINRA/SIPC) Individual Investment Advisors’ licensure information follows:
Securities: AZ, CA, CO, MT, NE, NJ, NM, NV, NY, OR, RI, VT, WA Gina Bayer has been an Investment Advisor at Bay Federal for nine years, and she is also the manager of the Investment Services Team. Gina, who lives with her husband and three daughters in Aptos, says, “What I love most about being an Investment Advisor is being able to help empower people to make sound financial decisions that can have a positive impact on their financial future.”
Securities: CA, OR, WA Paul Clark has been an Investment Advisor at Bay Federal for the past six years and says what he most enjoys about working here is, “Helping people understand their investments and plan for their future.” He resides in Watsonville with his wife and three children.
Linda Gorin has been assisting the Investment Advisors at Bay Federal for the past six years. A resident of Felton with two adorable grand kids, Linda thrives on helping Bay Federal Investment Services clients because she says, “They make my day!” CFP and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
eVISION® You are leaving the web site of Bay Federal Credit Union, an NCUA/NCUSIF insured savings institution, which offers insured deposit products, and proceeding to the web site of eVISION®, a site operated by CUSO Financial Services, L.P. (CFS) (Member FINRA/SIPC). Brokerage products offered through CFS are not NCUA/NCUSIF insured and are subject to investment risk. eVISION® is a registered trademark of CFS.
Contact Bay Federal: 831.479.6000
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Gina Bayer 
Paul Clark, CFP®
Linda Gorin
