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 or call directly at 210-258-1442.

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

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.

Chip is registered in the following states:  Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Virginia, Washington and Wisconsin.


Nahid Karimjee

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 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.

Nahid is registered in the following states:  Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Virginia, Washington and Wisconsin.


Joel Burkhart

Associate Investment Representative
CUSO Financial Services, L.P.
Jennifer Ybarbo

“I help individuals and families gain perspective and confidence through individually tailored investment planning opportunities."

Joel specializes in a members-focused approach which helps ensure that the recommended programs encompass each member’s financial goals, time frames and rick tolerance.  Joel enjoys distance running, and traveling with his wife and 2 children.  Joel received his Bachelor’s degree from Wichita State University and is a huge “SHOCKER” fan.   Joel holds Series 6, 7, 63, and 66 securities licenses as well as a Texas life insurance license.

Joel is currently registered in the following states:  Arizona, Colorado, Connecticut, Georgia, Idaho, Illinois, Iowa, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Texas, Virginia, and Washington.


Rose Davila

Senior Licensed Financial Assistant
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.


Jennifer Saenz

Licensed Financial Assistant
CUSO Financial Services, L.P.
Jennifer Ybarbo

"I am committed to ensuring that Credit Human members receive the best possible service and solutions to their investing and retirement needs."

Jennifer earned her BA in Finance from University of Texas, San Antonio in 2005. Jennifer holds series 6, 7, and 63 securities licenses as well as the Texas Life and Health Insurance license. A San Antonio native, Jennifer still lives in San Antonio with her two children. Jennifer is securities-licensed in the state of Texas.

* 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.

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