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Products and services available through CUSO Financial Services, L.P.*

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When it comes to planning for your future and dealing with everything from estate planning to investment analysis, it helps to have a professional who's experienced and knowledgeable to assist you along the way.

At ABNB, our Investment Services department works closely with our members to provide them with investment strategies that best match their unique situations.

If you are interested in learning more about our Investment Services, schedule an appointment today or give us a call at (757) 523-5389.

Check the background of this firm on FINRA's BrokerCheck.

Our investment services include:

  • Retirement and income planning
  • Investment analysis and portfolio allocation
  • Tax reduction strategies*
  • Wealth transfer and estate planning strategies

Through our broker-dealer, CUSO Financial Services, LP, we offer a broad range of investment products* to help you implement your plans, including:

  • Mutual funds
  • Fixed, Equity-indexed, and Variable annuities
  • Traditional and Roth IRAs
  • 529 plans (college savings plans)
  • Life and Long Term Care Insurance
  • Individual stocks and bonds

Gary Friedman, Investment Advisor


Gary Friedman joins ABNB Financial available through CUSO Financial Services, L.P. * with more than twenty years of investment experience. He is a lifelong resident of Virginia Beach and received his Bachelor’s Degree from Virginia Tech. Gary believes in the importance of building client relationships through conversation about their objectives and goals. As a Virginia Beach native, he is excited to be part of a local community-based credit union to help our members with every stage in their financial lives whether its accumulating wealth, investing for income, saving for retirement, or considering estate planning issues. Each strategy is customized to the member’s goals and desires. Gary holds Series 7 and 65 securities licenses as well as Virginia Life, Health, and Variable contracts licenses.

Check the background of this investment professional on FINRA's BrokerCheck.



Heiner Kessler, Investment Advisor


Heiner joins CUSO Financial Services, L.P. at ABNB as a Financial Advisor following nearly a decade of assisting individuals in every stage of their financial lives. Kessler is well versed in all aspects of financial planning including: initiating IRAs, planning for college, establishing term insurance, income planning in retirement, long-term care insurance, and leaving a financial legacy.

Heiner looks forward to implementing his understanding of meaningful member relationships by developing personalized solutions for members and piloting appropriate adjustments as members’ goals and needs change over time. In order to offer best recommendations for ABNB members, Heiner Kessler holds series 6, 7, 63, and 65 securities licenses, as well as Virginia life, health, and variable contracts licenses.

Check the background of this investment professional on FINRA's BrokerCheck.



Susan Newman, Investment Services Specialist


Susan Newman joined the Investment Services team as a Sales Assistant in 2012. During her time as a Sales Assistant, she has been able to gain knowledge of how investment services helps each member and their unique objectives. Susan’s desire is to educate members about the products and services available to them in their differing financial situations: from college savings, life insurance, retirement solutions, to wealth accumulation.

A 2010 Old Dominion University graduate, she also spent a semester abroad at Keele University in Staffordshire England to earn her Bachelor’s Degree in Business Management. Her free time is spent volunteering with local organizations like Bay Youth Orchestras of Virginia where she lead two international tours with the talented young musicians of Hampton Roads.

She is currently completing the education requirements for the CFP (Certified Financial Planner) from Old Dominion University’s School of Continuing Education. Susan currently holds her Series 6 and 63 securities licenses as well as Virginia Life, Health, and Variable Contracts licenses.

Check the background of this investment professional on FINRA's BrokerCheck.

“Do-it-Yourself” Online Trading 

If you are an investor who wants to make your own decisions, eVISION is your premium choice for online investing in stocks, options and mutual funds, with commissions as low as $14.95 (complete pricing schedule available online upon sign-in). To assist you in your decision-making, we provide quotes, charts, and analyses for managing your portfolio. You have 24-hour access to the real-time information you need. Every day.*

Sign into eVISION online.

*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. ABNB Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. For specific tax advice please consult a qualified tax professional.

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