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3Rivers Investment Team

Our team members are committed to helping you achieve financial wellness. We pride ourselves on taking the time to genuinely get to know you, in order to create truly customized strategies that can help you reach your short and long-term goals. We look forward to hearing from you!

Photo of Ali Halilovic
Ali Halilovic
CFS Financial Advisor

P: 260.487.3347  |  E: ahalilovic@trfcu.org

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

Ali is a long-time team member with 3Rivers. He offers a full range of investment products through our broker dealer, CFS*. He's committed to doing what is right for your unique situation by providing the high quality service and guidance that you have come to expect from 3Rivers. He's happy to work with you and introduce opportunities to help you meet your goals and answer any question you might have.

His general service areas include those areas in and around the following 3Rivers branches: Auburn, East State Village, Northland, Stellhorn Crossing and St. Marys. 

Ali is securities licensed in the following states: CA, FL, GA, IL, IN, MA, MI, MO, MS, OH, TX, and WI. If you’re ready to review your options, please contact Ali to arrange a convenient time for a complimentary, no obligation appointment.

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
*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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.



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Photo of Spencer Reynolds
Spencer Reynolds
CFS Financial Advisor

P: 765.993.8590  |  E: sareynolds@trfcu.org

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

 

Spencer offers a full range of investment products available through our broker dealer, CFS*. Coming from a background in HAZMAT Management in the United States Marine Corps, he's committed to doing what is right for your unique situation by providing the high quality service and guidance that you have come to expect from 3Rivers.

Spencer is securities licensed in the following states: IN, and OH. He's happy to work with you and introduce opportunities to help you meet your goals and answer any question you might have. 

His general service areas include those areas in and around the following 3Rivers branches: Richmond Central, Richmond East Side*, Liberty*, and Hagerstown*.
*By Appointment Only

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
*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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.


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Photo of David Juras, ChFC
David Juras, ChFC
CFS Financial Advisor

P: 260.487.3367  |  E: djuras@trfcu.org

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

David is a long-time team member with 3Rivers. With nearly three decades of industry experience, he offers a full range of investment products available through our broker dealer, CFS*. He's committed to doing what is right for your unique situation by providing the high quality service and guidance that you have come to expect from 3Rivers. He's happy to work with you and introduce opportunities to help you meet your goals and answer any question you might have.

His general service areas include those areas in and around the following 3Rivers branches:  New Haven, St. Joe, and West Jefferson. 

David is securities licensed in the following states: AL, AZ, CA, CO, GA, FL, HI, IL, IN, KS, KY, ME, MI, MS, MO, ND, NC, OH, OK, PA, SC, TX, VA, and WI. He is insurance licensed in Indiana and Ohio and has attained the Chartered Financial Consultant® professional designation. If you’re ready to review your options, please contact David to arrange a convenient time for a complimentary, no obligation appointment.

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
*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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.


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Photo of Josh Stultz
Josh Stultz
CFS Financial Advisor

P: 260.487.3408  |  E: jstultz@trfcu.org

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

Josh offers a full range of investment products available through our broker dealer, CFS*. He's committed to doing what is right for your unique situation by providing the high quality service and guidance that you have come to expect from 3Rivers. Josh is securities licensed in the following states: CA, FL, IN, MD, MI, NE, NJ, NY, OH and PA. He's happy to work with you and introduce opportunities to help you meet your goals and answer any question you might have. 

His general service areas include those areas in and around the following 3Rivers branches: Bluffton, Columbia City, Decatur, Kendallville, and Scott Road. 

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
*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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.


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Photo of Suzanne Heck
Suzanne Heck
CFS Financial Assistant

P: 260.487.3348  |  E: sheck@trfcu.org

Suzanne Heck has over 20 years of experience working with our investment team here at 3Rivers. She is the first point of contact on the phone with most members and enjoys building and deepening relationships with them, while providing a great overall experience. She works closely with all of our financial advisors to make sure the department runs smoothly – by executing daily communications, coordinating schedules, and helping with members’ needs.

*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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.


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Photo of Jennie Clarke
Jennie Clarke
CFS Investment Coordinator

P: 260.487.3327  |  E: jclarke@trfcu.org

Jennie Clarke joined the 3Rivers team in 2013, bringing with her over 20 years of banking experience. In her role an investment coordinator, she supports and assists other advisors, as well as insurance-licensed team members. She collaborates with our branch teams to help develop strategies and offer support that helps members achieve financial wellness and their long-term goals. Being securities and insurance-licensed enables her to offer additional products and services to our membership.

*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. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.


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Photo of Carl Schlutz, CTFA
Carl Schlutz, CTFA
Investment and Trust Officer

P: 260.487.3385  |  E: cschlutz@trfcu.org

Carl is a long-time team member with 3Rivers and has extensive experience in the Trust management field. 

He’ll work to grow, preserve and protect your life assets both for you and your loved ones by helping you:

  • Save on estate taxes
  • Minimize probate
  • Avoid court appointed guardianship
  • Provide asset management
  • Make sure your personal wishes happen after your passing

If you’re ready to review your options, please contact Carl to arrange a convenient time for a complimentary, no obligation appointment.

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
Trust services provided by  MEMBERS Trust Company. Trust and Investment products are not federally insured, are not obligations of or guaranteed by the credit union or any affiliated entity, involve investment risks, including the possible loss of principal.


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