Invest with the Strength of Credit Human Behind You

We’re here to take a personal interest in your investment needs. Our CFS* investment advisors, Charles Lutz and Nahid Karimjee have 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.

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Meet the Investment Team

Charles Day Lutz, IV (Chip)

Senior Investment Advisor
CUSO Financial Services, L.P.
Charles Day Lutz, IV (Chip)

"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.


Nahid Karimjee, CFP®

Senior Investment Advisor
CUSO Financial Services, L.P.
Nahid Karimjee

"I focus on each member as an individual, with goals and objectives unique to their lifestyle."

Nahid is a CERTIFIED FINANCIAL PLANNER™ professional who specializes in helping members identify and reach financial goals using custom financial strategies. He enjoys spending time with family, golfing, hunting, and fishing. A longtime resident of San Antonio, Nahid earned a B.A. from the University of Texas at San Antonio. Nahid holds Series 7 and 66 securities licenses as well as a Texas life insurance license.


Rose Davila

Licensed Member Acquisition Specialist
CUSO Financial Services, L.P.
Rose Davila

"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.

* 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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