Investment Services

Financial Guidance Built Around Your Life

At JHCU, we are committed to understanding your needs and providing solutions that help make a meaningful difference in your life. Our mission is to empower our community to achieve their goals through education, support, and opportunity.

We’re excited to introduce Cetera Investment Services, located at Johns Hopkins Credit Union, a comprehensive financial planning service designed to support members at every stage of their investment journey and help you work toward your long-term financial goals.

Through Cetera Investment Services, you can work one‑on‑one with a CFP® designated financial advisor who will create a personalized financial plan tailored to your goals, needs, and unique circumstances. Whether you’re focused on saving for the future, preparing for retirement, or exploring investment opportunities, your financial advisor will provide specialized guidance and practical steps to help you move forward with confidence.

This new program is available to all members who are ready to take the next step in their financial journey and strengthen their commitment to lifelong financial wellbeing.

Ready to review your financial picture? Schedule a complimentary consultation using the link below or by emailing JHFCU@ceterais.com. We look forward to supporting you along this journey!

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DAVID GONZALEZ CFP, CIMA

FINANCIAL ADVISOR

David Gonzalez joined Cetera Investment Services as a registered Financial Advisor in 2026 and has worked in the wealth management industry since 2018, with a focus on building lasting relationships with individual investors.

As a Financial Advisor, David partners closely with clients to develop personalized strategies designed to help them reach their financial goals and protect their assets, so they can focus on what matters most with the people who matter most.

David earned his Bachelor of Science in Finance, with a concentration in Financial Planning from Salisbury University. He holds the CFP® , and CIMA® designations and works as a fiduciary when working in the capability as an Investment Advisor Representative, acting in the best interest of his clients.

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Whatever You're Facing, We Can Help

Your financial needs are unique, and you deserve guidance that reflects that. Here are some of the ways we support our clients.

Portfolio Management

We'll help build and manage a portfolio that's designed around your goals — and we’ll regularly review it with you so you’re not reliant on daily market news.

Retirement Planning

Retirement should be something you look forward to. We'll help you put a plan in place so you can approach it with clarity and confidence.

Risk Management

Life is unpredictable, but your financial plan doesn't have to be. We'll help you identify risks and create strategies to help manage them.

Estate Strategy

Planning for what comes next is one of the most meaningful things you can do for your family. We'll guide you through it with care and attention.

Life Insurance

Life insurance can be confusing, but it doesn't have to be. We'll help you understand your options and find what fits your family's needs.

HNW Client Guidance

Significant wealth comes with unique challenges. We provide hands-on support to help high-net-worth clients stay organized and on track.

Extended Care Strategies

Long-term care planning is easy to put off, but addressing it early can make a meaningful difference down the road. Let us help you think it through.

Small Business Guidance

As a business owner, your personal and professional finances are deeply connected. We'll help you bring both sides into focus.

Social Security Strategies

Social Security decisions can have a lasting impact. We'll help you understand your choices and choose the path that makes the most sense for you.

Cash Flow Analysis

Getting a clear picture of your income and spending is one of the most valuable things you can do for your financial health. We'll help you do just that.

Education Strategies

Planning for education costs is a big deal for families. We'll help you explore your options and find a strategy that works without derailing your other goals.

Charitable Giving

Giving back should feel good — and it can also be smart. We'll help you explore ways to align with both your heart and your financial plan.

Special Needs Trust

If you have a loved one with special needs, planning takes an extra level of thought. In coordination with your legal professional, we're here to help you build a strategy that puts their well-being first.

Debt Management

Debt can feel like a weight. We'll help you create a clear plan to manage it while still making meaningful progress toward your goals.

Financial Education

We want you to feel informed and empowered at every step. That's why we make ongoing education a core part of the work we do together.

You Don't Have to Figure It Out Alone

Money can be stressful. Planning for the future can feel overwhelming. But it doesn't have to be that way. We work with clients who want a steady hand and a clear voice to help them navigate their financial lives. Our job isn't to talk over your head — it's to walk beside you, explain things clearly, and help you feel confident about the decisions you're making.