Financial Advisors at Community First

Mark Fitzmorris

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

CFS 2012 Gold Pacesettler Award Recipient

CFS 2011 Gold Pacesetter Award Recipient

CFS 2010 Gold Pacesetter Award Recipient

CFS 2009 Gold Pacesetter Award Recipient

CFS 2008 Gold Pacesetter Award Recipient

CFS 2007 Gold Pacesetter Award Recipient

CFS 2006 Gold Pacesetter Award Recipient

CFS 2005 Gold Pacesettler Award Recipient

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 backgrounds. 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
• Bartram

Jennifer Harris, CFP®
Financial Advisor
CUSO Financial Services, L.P.
904.549.8762
harrisj@c1cufl.org

Jennifer is a native of Jacksonville and a graduate of the University of North Florida. Having worked in financial services since 2001, she offers members and businesses tremendous experience in a large variety of services, including group employee benefits, group and individual retirement planning, insurance, investments and financial planning.

Jennifer enjoys working with members to help them identify their financial goals and plan for the future. If you are ready to prepare for a comfortable retirement, fund a college education or help protect yourself and your family from financial risks associated with death or disability, Jennifer is ready to assist with practical recommendations for your needs. Jennifer is securities licensed in the states of FL, GA, LA, NC, SC, KY and VA. She's also insurance licensed in FL and LA.

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

• Beaches
• Mandarin
• Baymeadows/UNF
• San Pablo

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 Zach at these branch locations:

• Hodges
• Lakewood
• Westside

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 the Community First team 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 Generation, 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

Stephen Gerek
Financial Advisor
CUSO Financial Services, L.P.
904.371.8151
Gereks@c1cufl.org

Steve joins the Community First team as the newest CFS Financial Advisor. With 30 years of financial services experience, Steve has advised thousands of individual investors on meeting their financial goals and has also trained hundreds of financial advisors on practice management and planning solutions as a wholesaler.

Steve is capable of directing clients on accumulating their assets into retirement as well as how they can make their money last during their combined lifetimes thereafter. He also counsels individuals or businesses on estate strategies to maximize what financial legacy they want to leave for family or charity, and on ways to protect their income before and after retirement.

As far as the role he sees for himself at Community First, Steve aims to serve as the "go to" person and resource for all things financial for members and staff. His favorite quote is, "Chance favors the mind that is prepared" from Louis Pasteur which lends itself to Steve's approach to planning for one's financial future.

A graduate of the College of William and Mary in Virginia where he majored in economics, Steve has earned his Series 7 & 66 licenses along with Life and Health Agent licenses in Fl, GA, AL, SC, CA and PA. He is licensed to sell securities in Florida.

You can schedule a complimentary financial review with Steve at these branch locations:

• Downtown
• Fleming Island
• Northside

*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.