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Membership with Bay Federal Credit Union includes a complimentary, no-obligation consultation with Emily Quatman, Sam Solgan, Bennett Bilgere, or Jackie Carrillo, our experienced LPL Investment Team. Whether you are just beginning to invest, looking to assess your retirement savings or investments, or getting ready to move on to retirement, Emily, Sam, Bennett, and Jackie can help customize investment options to help you pursue your short-term and long-term goals.

Make a difference in your financial life. Schedule a no-obligation consultation today!     Make an Appointment

Emily Quatman, LPL Financial Advisor at Bay Federal Credit Union 
Emily Quatman
AVP, Investment Services
LPL Financial Advisor
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7
[email protected]

Focused on goal-based planning and recommendations, Emily Quatman has been a Financial Advisor since 2011. She feels great satisfaction from working with clients to develop a plan, map out their goals, and see them work towards their objectives.

Emily attended school in Texas and Ohio, but after an early-morning walk on a Santa Cruz beach on vacation, she decided to move to the area permanently. In her free time, she enjoys spending time with her husband, daughter, dogs, and cat. Emily loves exploring the outdoors with her family, whether they are hiking in the redwoods, walking along the beach, or camping in the Sequoias.

“I take great pride in helping my clients work toward their financial goals. I focus on goal-based planning specific to each individual’s wants, needs, and objectives to provide financial confidence.”

Insurance: CA (#0G88175)

Sam Solgan 
Sam Solgan, CSRIC 
LPL Financial Advisor 
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7
[email protected] 

Sam Solgan has a track record of helping members uncover and develop their life goals, creating personalized plans for their futures. He has worked in the financial industry since 2009, when he was an intern attending Santa Clara University Leavey School of Business, where he graduated in the top 10% of his class with a Bachelor’s of Science in Business Economics.

After leaving big banks for Bay Federal’s model of putting its members first in 2013, Sam established a reputation locally as an investment professional you can have confidence in. The Harbor High alum enjoys hiking and visiting national parks across the US. He lives on the Eastside of Santa Cruz and is very active with Lions Club International, specifically the Cabrillo Host Lions chapter.

Sam received his CSRIC designation in 2021, which identifies him as a financial professional that has the background, knowledge, and situational awareness to help clients invest in sustainable, responsible, and impact investments (SRI).

“I'm grateful for the opportunity to educate our local community about their options, help them integrate their personal values and purpose into their investment portfolio strategy, and measure the impact of these investments over the long term."

Insurance: CA (#0I32797)

Bennett Bilgere 
Bennett Bilgere
LPL Investment Advisor Representative
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7
[email protected]

Bennett Bilgere has been working in the financial industry since he joined Bay Federal in 2014. He chose to become an investment advisor representative because it allowed him to combine his interest in financial markets with his passion for helping people. After seeing the effect of the 2008 recession on his parents’ retirement plans, he learned the real value in financial planning.

Growing up in Santa Cruz, Bennett went on to earn his Bachelor’s Degree in Economics from Sonoma State University. He moved back to the area after college, since Santa Cruz provides opportunities for everything he loves to do and the weather to do it all year round. Those things he loves to do include playing golf and disc golf, mountain biking, working out at the gym, and watching Bay Area sports.

Bennett finds the most rewarding part of Investment Services is getting to know Bay Federal’s members and seeing their financial confidence grow.

“I believe your hard work should pay off, and the best way to ensure that is with a financial plan custom fit to your needs.”

Insurance: CA (#4090289)

Jackie Carillo 
Jackie Carrillo
LPL Investment Advisor Representative
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7
[email protected]

Jackie Carrillo graduated from Santa Clara University with a degree in Finance, working in the mortgage industry for eight years before transitioning to investments in 2010. Jackie joined the Bay Federal team in 2021, after developing over a decade of investment experience throughout the San Francisco and Monterey Bay areas.

Born and raised in Watsonville, Jackie has deep ties to her community. Her parents were immigrants from Mexico who worked hard in search of a better opportunity, she exceled in her education and career, driven by her parents' sacrifices and determination. Jackie strives to be a resource for her community, pairing people with opportunity in the form of creative investment solutions. Jackie is fluent in both English and Spanish, and focuses on serving the Spanish-speaking community with their investment needs.

In her spare time, Jackie enjoys spending time with her family and friends, running local races such as the Wharf to Wharf, hiking at Nisene Marks, and checking out local restaurants.

“I joined Investment Services at Bay Federal Credit Union because of its reputation of truly making a real difference with their members and the community. I was a member of Bay Federal since I was eighteen and have always been impressed with their willingness to put people first."

Insurance: CA (#0H76477)

David Rosa LPL Bio

David Rosa
Admin Solutions Consultant
Toll-Free: 833.887.9064
[email protected]

David Rosa supports Investment Services at Bay Federal Credit Union as part of LPL Business Solutions, a service that provides industry-trained LPL professionals and helps streamline LPL advisors' practices. He partners with advisors to provide support on administrative tasks and client management functions.

David has five years of experience in the financial industry. Prior to joining LPL, he worked on the cash management team at LPL Financial. He enjoys working with both advisors and clients in his role on the Admin Solutions team.

In his spare time, David enjoys going to the gym, eating, and going on hikes. His interests include anything sports-related.

"As your Administrative Assistant, I will partner with you on an going basis to develop a thorough understanding of your accounts, provide answers on account activity, policies, and statements, and assist with any high priority escalated issues."

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Bay Federal Credit Union and Investment Services at Bay Federal Credit Union are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Investment Services at Bay Federal Credit Union, and may also be employees of Bay Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Bay Federal Credit Union or Investment Services at Bay Federal Credit Union. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency  Not Credit Union Guaranteed  Not Credit Union Deposits or Obligations  May Lose Value 

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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