A path to financial well-being for every life stage
Everyone’s financial goals are unique. UCU is here to help you reach them with a comprehensive and collaborative approach. Whether you’re an experienced investor or just getting started, our experienced Wealth Advisors can help guide your short- and long-term plans to achieve financial peace of mind. Regardless of your life stage, we have an approach for you.
UCU Investment Services has partnered with Copper Financial Network, LLC (“Copper Financial”) to provide a fully integrated member experience to better serve your financial goals. This broad suite of investment products and services are designed to give you more flexibility to customize your experience and help you achieve your financial goals.
Our core values
Collaborative Mindset
Understanding that each financial journey is unique, we take the time to understand your goals, risk tolerance, and time horizon. By aligning with your near-term, intermediate, and long-term objectives, we craft personalized financial plans for your specific needs, designed with your future in mind.
Measuring Progress
You set the goal, and we provide the support and guidance you need. With our advisory accounts, we’ll continuously monitor your progress and adjust as life evolves and priorities shift. Our advisors will help you stay on track and identify new opportunities to help maximize your financial potential.
Your Best Interest, Always
Your success is our success. We are unwavering in our commitment to act in your best interest, providing transparent and objective advice to help you achieve financial peace of mind.
Meet your dedicated wealth advisor
Lucy Viado
CA Insurance License #0A16194
With over 20 years of experience in financial management, Lucy Viado is dedicated to helping members achieve their financial goals through personalized strategies and lasting relationships. As a wealth advisor at University Investment Services, she brings expertise in banking, lending, insurance, and wealth management to guide members through every stage of their financial journey.
“My mission is to equip members with the tools and strategies they need to confidently plan for both their short- and long-term goals.”
Lucy specializes in creating customized investment portfolios, developing retirement strategies, and crafting tailored blueprints to address multiple financial objectives. Her goal is to provide peace of mind and empower members to take control of their financial future.
Beyond her advisory role, Lucy is a passionate volunteer. She educates communities on financial literacy and offers career and business consulting to nonprofit organizations across Southern California and internationally.
Contact University Investment Services
University Investment Services, powered by Copper Financial Network, LLC (Copper Financial),* was established to provide you with a fully integrated member experience to help better serve your financial goals.
Investment services and solutions
- Retirement Planning
Retirement can mean different things to different people, and we understand that your goals are unique. Often times, the difference between succeeding or failing to achieve those goals is the result of an accumulation of small decisions made along the way. To make the right choices when faced with those decisions, it helps to have a plan in place.
Crafting a good retirement plan requires clearly defined goals, an honest assessment of where you are financially and the willingness to focus on the long term. Copper Financial will work with you wherever you are on your journey to consider your dreams, evaluate your current financial situation and provide perspective to help make decisions for the future. Whether you’re just starting to save, nearing that retirement party or dealing with any of the transitional moments along the way, our Wealth Advisors are here to help you reach your goals.
- Insurance
You’ll go through many stages throughout your life that will require looking at your financial situation through a different lens. Insurance planning is a critical component of a comprehensive financial plan that includes evaluating risks and determining the right policy to mitigate these risks at each stage in life. With offerings including term life insurance, permanent life insurance, long-term disability, and long-term care, we can help find the right coverage for where you are right now.
Having insurance is an important part of a complete financial plan. At Copper Financial, we have a variety of insurance options to help you prepare for the unexpected and the expertise to find the policy that’s right for you and your family. Are you wondering what type of insurance makes sense for your financial plan? For starters, it depends on your personal goals — our Wealth Advisors can walk you through a variety of risk management scenarios.
- Life Insurance
The right life insurance policy can provide assurance that the people you love will have the financial resources they need.
- Disability Insurance
Coverage to protect income due to disability — can be a stand-alone policy or used to supplement employer coverage.
- Long-Term Care Insurance
Protect against future long-term health related costs, including in-home health, assisted living or nursing home care.
- Hybrid Insurance
This hybrid policy combines the benefits of Life Insurance with Long-Term Care Insurance.
- Life Insurance
- College Planning
When it comes to thinking about your child’s future, one of the most important topics is saving for a college education. Copper Financial can help you get started, with investment accounts designed specifically for saving for college. Common savings tools are College Savings 529 Plans, Coverdell Education Savings Accounts (ESA), and Uniform Transfer to Minor Act (UTMA) accounts. Our Wealth Advisors can help you navigate these options to find the one that best fits your family’s financial situation.
- Estate Planning
Preserving the assets of your estate is something that should be meticulously planned.
You can spend a lifetime working to build an estate. Decades of hard work, diligence and patience go into putting yourself in the position to leave a legacy. When it’s time to consider your estate plan, you deserve a trusted financial partner who can help you make the transition from building an estate to protecting it for future generations. Whether it’s to benefit loved ones or charity, Copper Financial can help you plan for your legacy.
Copper Financial, nor its associated persons are attorneys and cannot offer legal advice. Consult with an attorney before making any changes to your estate plans.
- Accounts and Products
Account Types
- IRAs (Traditional, Roth and Conversions)
- College Savings 529 Plans
- Custodial Accounts
(UGMA/UTMA) - Trust Accounts
- Business Retirement Plans (Solo 401(k), SEPs, SIMPLEs)
Products
- Professionally Managed Accounts
- Stocks
- Exchange Traded Funds (ETFs)
- Fixed Income Securities (i.e., Government, Corporate, and Municipal Bonds)
- Mutual Funds
- Tax-Deferred Fixed, Equity-Indexed and Variable Annuities
Financial well-being starts with a plan
Our passion is helping members with their financial well-being. No matter how big or small your financial goals are, we are here to help you build a plan to reach them. We believe all members should have the opportunity to reach their goals, regardless of where they are on their financial journey.
We look forward to connecting you with our Wealth Advisor to gain insights into managing your financial future and start your personalized financial plan.
Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), a broker-dealer and SEC-registered investment adviser. Member FINRA/SIPC. Copper Financial conducts insurance business as Copper Financial & Insurance Solutions in California (License #0J06220). University Credit Union (“UCU”) has contracted with Copper Financial to make non-deposit investment products and services available to its members. Representatives are registered with Copper Financial. UCU and University Investment Services are not broker-dealers or investment advisers and are not affiliated with Copper Financial. For important disclosures from Copper Financial please visit here.
Copper Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.
Click here to view the Copper Financial Customer Relationship Summary.
Investment and insurance products offered through Copper Financial: Are Not Deposits | Are Not NCUA or otherwise Federally Guaranteed | Are Not Credit Union Guaranteed | May Lose Value
University has contracted with Copper Financial to provide investment products and services to UCU members. University is not a client of Copper Financial. University will receive compensation from Copper Financial if you open an account with Copper Financial. This compensation creates an incentive for UCU to refer clients to Copper Financial. For additional information please see the Program Credit Union Referral Fee Disclosure available here.
To learn more about Copper Financial and its financial representatives, visit FINRA BrokerCheck.