Investment Services 1 - Hero

Investment Services

Find the path toward greater prosperity with MEMBERS Financial Services™.

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We're here to help guide you

Everyone’s goals and needs are different. That’s why we listen first, then advise. Our goal is to understand your needs, your fears, and your risk tolerance so that we can draw from our professional experience to develop a personalized plan.
Members Financial Services

Why work with us?

MEMBERS Financial Services™ offers investment service that is specifically designed with the credit union membership in mind. As a VSECU member, you have access to financial services and many resources to help you organize and plan for every milestone in your life.

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    Financial planning

    We collect information from you, about your lifestyle, assets, and expenses and conduct a comprehensive evaluation in order to determine and help you plan for your future financial needs.

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    Financial risk management

    Risk management is one of our main responsibilities as your financial advisor. In that role, we identify, analyze, and manage the risks associated with your investments.

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    Retirement planning

    Regardless of your age, we will work with you to develop a full financial analysis and retirement plan that will help you prepare for a satisfying retirement.

Meet our investment services advisor

Check the background of these investment professionals on FINRA’s BrokerCheck and email Thomas Couture to schedule a consultation.

Thomas Couture - Bio

Thomas Couture

LPL Financial Advisor

Manage your investments

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    ESG Allocations1

    ESG (environment, social, governance) allocations allow you to align your investments with your values. Each asset in the portfolio is screened to assess its positive impact on the environment and society and the choices they’ve made in their governance.

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    Mutual Funds2

    A mutual fund is a type of investment vehicle. You can think of it as a container for other investments, which could include stocks, bonds, and other assets.

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    Traditional Securities

    If you’re interested in investing in specific companies using traditional stocks and/or bonds, we can help you do that. We’ll set up a brokerage account for you, where we can facilitate purchases and sales for you.

Plan for retirement

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    Annuities are tax-deferred investment that are most often used as a retirement account. You can make a lump sum deposit to open the account or pay over time. The annuity can provide a steady income stream during retirement.

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    An individual retirement account, or IRA, is a retirement savings account. IRAs come in a number of different types, the two most common being Roth IRAs and traditional IRAs.

Take care of your family

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    Trust accounts

    A trust account is opened by one person for the benefit of another person and managed by a trustee based on pre-determined terms. For example, a parent may create a trust account for their child and set a time when the child can begin to access the money and how much they can access at a given time.

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    Long-term care insurance

    As people age and face declining health, they may require long-term medical and social services to support their needs. Insurance helps cover the expenses associated with this long-term care.

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    College savings

    College savings plans are designed specifically for saving money that will be used toward the costs of higher education. These plans allow you to save money while enjoying tax and financial aid benefits.


– ESG investing has certain risks based on the fact that the criteria excludes securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.
– Mutual Funds and Variable Annuities are sold by prospectus only. Contact a financial advisor to obtain a prospectus. Read it carefully before investing.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer, member FINRA/SIPC. Insurance products are offered through LPL or its licensed affiliates. VSECU and MEMBERS Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using MEMBERS Financial Services, and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, VSECU or MEMBERS Financial Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government AgencyNot Credit Union GuaranteedNot Credit Union Deposits or ObligationsMay Lose Value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit for more detailed information.