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Financial Advisors at Community First

Mark Fitzmorris

Financial Advisor
CUSO Financial Services, L.P.
904.371.7969
markf@c1cufl.org

CFS 2005 -2015 Pacesetter Award Recipient
CFS 2015 Hall of Fame Inductee 

Mark holds a Bachelor of Science degree in Finance and International Business from the University of Colorado and has been a licensed financial advisor since 1998.

He spent several years traveling and living abroad in different countries. Through his experiences, he brings an ability to understand people from a variety of background. Mark is a top producer and also makes the needs of our credit union members his top priority.

Mark specializes in developing, implementing and monitoring a holistic financial plan that encompasses all areas of your life, especially with regard to retirement. He also specializes in state retirement options, including Florida's Deferred Retirement Options Program, or "DROP."

Mark is licensed to provide financial advice to Florida and Georgia residents, as well as residents of the following states: SC, IN, MO, MD, MN, NY, TN, VA and WI. He is also licensed to sell life insurance in Florida.

You can schedule a complimentary financial review to speak with Mark at these branch locations:

  • Orange Park
  • St. Johns

Andy Whitaker

Financial Advisor
CUSO Financial Services, L.P.
904.371.8113
whitaka@c1cufl.org

From Florida's hilly capital city of Tallahassee, Andy is pleased to be apart of Community First as a CFS* Financial Advisor.

Andy holds a Bachelor of Science degree in Mechanical Engineering from Florida State University, a Master of Business Administration from Kellogg School of Management, and a Master of Engineering Management degree from Northwestern University.

With insurance licenses in Florida, Georgia and North Carolina, Andy is also presently registered to sell securities in Florida. His specialties include long-term Retirement Planning and Income Generationm Life and Long-Term Care Insurance, the Florida DROP Program and Company Retirement Plan Accounts. He seeks to deepen and broaden the existing relationships members share with Community First, and to help each member plan for and achieve the short-and long-range financial goals toward which they aspire.

Married with two children, Andy enjoys golfing, fishing and outdoor motorsports with his family. He is a member of the Northeast Florida Builders Association and the Amelia Island Fernandina Beach Yulee Chamber of Commerce, and he serves on the Board of Directors of the Greater Nassau County Chamber of Commerce.

Andy seeks to live by a quote from Albert Einstein: "Try not to become a man of success, but rather try to become a man of value." Get to know Andy to experience first-hand the value his experience and financial knowledge can bring to your member relationship with Community First.
You can schedule a complimentary financial review to speak with Andy at these branch locations:

  • Arlington
  • Lem Turner
  • Yulee
  • Northside

Michael Lucenti

Financial Advisor
CUSO Financial Services, L.P.
904.549.8658
LucentiM@c1cufl.org

From New York City, Michael Lucenti is new to the CFS* financial advisor team, and brings with him 16 years of financial advisor experience.

Michael holds a Bachelor's degree in Finance from Rider University. His specialties include Retirement Planning, 401K Rollovers, IRA Consolidation, Life Insurance, Long Term Care and Business Group Benefits. His licenses include CLTC Designation, Series 7, 63, 66 & 24, Life Health and Annuity Insurance, and Property & Casualty Insurance.

His goal is to become a lifelong resource to everyone and assist with preparing for retirement, as well as educational, business and estate planning needs. Married 10 years with one son, Michael aspires to live by this quite from Jim Valvano, "How do you go from where you are to where you wanna be? And I think you have to have an enthusiasm for life. You have to have a dream, a goal. And you have to be willing to work for it."

Michael is licensed to sell securities in Florida and New York.

You can schedule a complimentary financial review to speak with Michael at these branch locations:

  • Bartram
  • San Pablo
  • Mandarin
  • Fleming Island
  • Baymeadows & UNF

Zack Toelle

Financial Advisor
CUSO Financial Services, L.P.
904.371.8074
toelleza@c1cufl.org

Originally from Lakeland, Florida, Zack joined the Community First team of CFS Financial Advisors and plans to stay "for a very long time."

Zack is registered to sell securities in the states of FL, GA, MI, SC, NV and UT. He is insurance licensed in FL. Zack is qualified to help you invest your assets with careful consideration.

Zack specializes in building members a financial plan that encompasses all areas of their life, especially with regard to retirement. In addition to specializing in state retirement options "DROP," Zack works one-on-one with business owners to set up and implement new plans and to monitor existing plans.

Married with three children (four if you count the dog!), Zack has a passion for Ford Mustangs and Drag Racing. But where personal growth is concerned, Zack  espouses a conviction of the late President Ronald Reagan: "There are no limits to growth, because there are no limits on human intelligence, imagination and wonder."

You can schedule a complimentary financial review to speak with Zack at these branch locations:

  • Hodges
  • Lakewood
  • Westside
  • Downtown
  • Riverside
  • Beach

*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. COMMUNITY FIRST CREDIT UNION OF FLORIDA HAS CONTRACTED WITH CFS TO MAKE NON-DEPOSIT INVESTMENT PRODUCTS AND SERVICES AVAILABLE TO CREDIT UNION MEMBERS.