Meet your PenFedInvest Advisor Staff
CUSO Financial Services, L.P. (CFS)

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Gerald H. Ballan, CFP®

Contact Information

Direct Phone: (910) 436-5327
Direct Fax: (910) 436-5328
jerry.ballan@penfedinvest.com

Is a Registered Financial Advisor through CUSO Financial Services L.P. at Pentagon Federal Credit Union. Jerry is an accomplished leader in the financial services industry for over 35 years, having started his career at New York Life and spending 25 years as a Producing Manager at Prudential Securities and 2 years as the Regional Training Director for the Southern Region of Prudential Securities. Jerry earned his designation as a Certified Financial Planner™, a CMFC, Certified Mutual Fund Counselor, an AAMS, Accredited Asset Management Specialist and a CRPC, Chartered Retirement Counselor from the College for Financial Planning. Jerry earned his B.S. in Business Administration from the Fisher College of Business at The Ohio State University. He has been married to his wife for 41 years. Jerry has an honorable discharge from the Department of War. Over his 35 plus years of experience he has helped individuals and families with various financial needs, from their first savings account to their more complicated investments with an emphasis on Social Security strategies and is well versed in the (TSP) Thrift Savings Plan and the military system and their benefit plans for active and retired Federal employees. The key is taking the time to understand what will help you reach your goals and develop a path to achieve them. Jerry also believes in being part of his community, he was written up in Registered Representative Magazine for chairing 1000 Points of Light and Spirit of Community for The Prudential Insurance Company. He served on the Governing Board of his twin grandsons’ charter school. He looks forward to helping with your financial needs.

Licenses:

  • • State Life & Health Insurance Licenses
  • • FINRA Series 7, General Securities Registered Representative
  • • FINRA Series 63, Uniform Securities Agent State Law License
  • • FINRA Series 66 Investment Advisor Representative

Jerry is currently licensed to sell Securities in:
GA, NC, NY & SC

Services:

  • • Financial, Retirement and Estate Planning
  • • Complete range of Brokerage Services
  • • Open Architecture of Managed Money, Mutual Funds, Annuities
  • • Life, Disability and Long Term Care Insurances


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Laurianne F. Dubia

Contact Information

Direct Phone: (202) 563-5014
Direct Fax: (202) 563-0850
lauri.dubia@penfedinvest.com

Is a registered Financial Advisor through CUSO Financial Services, L.P. at Pentagon Federal Credit Union. Ms. Dubia’s with extensive experience of over the past 16 years as a financial advisor to the military, civil service, and the private sector has provided her with a deep understanding of the diverse needs of her clients. Among her areas of expertise are retirement planning, (TSP) Thrift Savings Plan, 401k rollovers, life insurance and long-term care. Lauri served the U.S. Army and is a retired (LTC) Lieutenant Colonel and been married to a service member makes Lauri highly knowledgeable on the military system and their benefit plans. Her own personal experience as a breast cancer survivor is also a constant reminder of the importance of sound financial planning. Lauri enjoys working with clients who are serious about their financial future. She derives her greatest satisfaction in helping to design personal investment strategies to meet their financial goals. By understanding their specific requirements and risk tolerance, she is able to customize the most effective financial plan to suit their long-term needs. In her spare time, Lauri enjoys spending time with her family, golfing, biking and volunteering with various neighbor and charity organizations.

Licenses:

  • • State Life & Health Insurance Licenses
  • • FINRA Series 6, General Securities Registered Representative
  • • FINRA Series 63, Uniform Securities Agent State Law License
  • • FINRA Series 65 Investment Advisor Representative

Lauri is currently licensed to sell Securities in:
CA, CT, DE, DC, FL, GA, IL, KY, MD, MS, NM, NC, PA, SC, TX, WV & VA

Services:

  • • Financial, Retirement and Estate Planning
  • • Open Architecture of Managed Money, Mutual Funds, Annuities
  • • Life, Disability and Long Term Care Insurances


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Jacqui Hanson, CFP®

Contact Information

Direct Phone: (703) 856-9933
Direct Fax: (703) 777-3956
jacqui.hanson@penfedinvest.com

Is a Registered Financial Advisor through CUSO Financial Services L.P. at Pentagon Federal Credit Union. Jacqui has been an accomplished leader in the financial services industry for over 17 years, having started her career at New York Life. Most recently, Jacqui was Principal of her own RIA firm, Opes Capital Management. . Jacqui was born in Quito, Ecuador during a time when her father worked at the United States Embassy for the CIA. She lived most of her adolescent years abroad in different major cities like Rome, Madrid and Vienna. Jacqui graduated from George Mason University with a BS degree in Finance. She received her Certified Financial Planner™ professional designation at The American College and received advanced training from Cannon Financial Institute, in the areas of Trust and Investment Management. Jacqui's career has focused on serving high net worth individuals and corporations in the areas of retirement planning, portfolio management, Social Security, insurance, and estate planning. She is well versed in the Thrift Savings Plan, the military system and their benefits for active and retired Federal employees. On a more personal level, Jacqui is a dedicated parent of three accomplished daughters who are honor roll students, competitive athletes and aspiring musicians. Jacqui loves travelling, the fine arts, and sports. She appreciates the friendly competition of golf and the personal challenge of competing in marathons. She hopes to compete in her first triathlon this summer. Jacqui remains involved with the Elf Foundation, which provides “Rooms of Magic” for terminally ill children in hospitals and is also involved in her community by repairing and rebuilding homes for the less fortunate.

Licenses:

  • • State Life & Health Insurance Licenses
  • • FINRA Series 7, General Securities Registered Representative
  • • FINRA Series 63, Uniform Securities Agent State Law License
  • • FINRA Series 65 Investment Advisor Representative

Jacqui is currently licensed to sell Securities in:
AK, CA, DC, FL, HI, MI, MD, MN, NC, OR, VA, WI, & WV

Services:

  • • Financial, Retirement and Estate Planning
  • • Complete range of Brokerage Services
  • • Open Architecture of Managed Money, Mutual Funds, Annuities
  • • Life, Disability and Long Term Care Insurances


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Milos Ivanis, PhD

Contact Information

Direct Phone: (571) 275-4118
Direct Fax: (703) 379-5536
milos.ivanis@penfedinvest.com

Is a registered Financial Advisor through CUSO Financial Services, L.P. at Pentagon Federal Credit Union. Mr. Ivanis has more than 3 decades of experience in financial risk and asset management. Milos was with Bank of America for over 10 years as a liability manager in the Treasury Operations. He was a Financial Officer, managing Liquid Assets Portfolio, at the Treasury of the International Finance Corporation (World Bank Group.) Since 2002 he has worked at TransAmerica, MetLife, and most recently Guardian Life. Milos specializes in retirement planning, (TSP) Thrift Savings Plan, 401k rollovers, Life insurance, Long-term care and Social Security benefits, he is knowledgeable on the US military system and their benefit plans. He came to the US as a Visiting Fellow at Princeton Theological Seminary, after graduating with a PhD in Theology at New College of The Edinburgh University, Scotland. Following his appointment in Princeton he took a teaching position and, after a few years, decided to leave academic field and started his Financial Services career. Milos is widely read, travelled, and active with Alexandria Crew Boosters and TC Williams rowing team of Alexandria, VA.

Licenses:

  • • State Life & Health Insurance Licenses
  • • FINRA Series 7, General Securities Registered Representative
  • • Series 63, Uniform Securities Agent State Law License
  • • Series 66, Investment Advisor Representative

Milos is currently licensed to sell Securities in:
DC, DE, MA, MD, VA, WV

Services:

  • • Financial, Retirement and Estate Planning
  • • Complete range of Brokerage Services
  • • Open Architecture of Managed Money, Mutual Funds, Annuities
  • • Life, Disability and Long Term Care Insurances


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Gail E. Lesh, LUTCF

Contact Information

Direct Phone: (703) 313-4894
Direct Fax: (703) 921-1528
gail.lesh@penfedinvest.com

Is a registered Financial Consultant through CUSO Financial Services, L.P. at Pentagon Federal Credit Union. Ms. Lesh has over 25 years of experience in the financial services industry. Gail received her LUTCF professional designation in 1990. Gail specialties include retirement planning through the use of IRA accounts and other tax-deferred vehicles. The bulk of Gail’s career has been spent working with military and civil service employees to enhance their short and long term financial goals. She regularly does Thrift Savings Plan, 457 and 401(k) Plan rollovers and focuses on matching the investment vehicle to the member’s tolerance for risk and time line for investing. Gail has been an active member of the National Association of Insurance and Financial Advisors (NAIFA) in the Northern Virginia area since 1987.

Licenses:

  • • State Life & Health Insurance Licenses
  • • Series 6, Registered Representative
  • • Series 63, Uniform Securities Agent State Law License

Gail is currently licensed to sell Securities in:
AL, AZ, CA, CO, CT, DE, DC, FL, GA, KY, MD, MI,
MN, MS, NY, NC, PA, PR, SC, TN, TX, VA, WV, & WI

Services:

  • • Financial, Retirement and Estate Planning
  • • Open Architecture of Mutual Funds, Annuities
  • • Life, Disability and Long Term Care Insurances


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Michele K. Morris, CFP®

Contact Information

Direct Phone: (540) 455-9404
Direct Fax: (703) 379-5536
michele.morris@penfedinvest.com

Is a Registered Financial Advisor through CUSO Financial Services L.P. at Pentagon Federal Credit Union. Michele brings over 30 years of experience to the PenFed Invest team and began her career in the financial services industry with Paine Webber. After 10 subsequent years at Smith Barney, she joined The Bennett Group at Legg Mason where she was an integral member of this high net worth management team for over 11 years. A native of Pittsburgh, PA, Michele received her BA degree from Duquesne University and her MPA degree from the University of Pittsburgh, Graduate School of Public & International Affairs. She is a Certified Financial Planner™ and received this designation in 1994. Her areas of specialty are retirement planning, (TSP) Thrift Savings Plan, 401k rollovers, life insurance, long-term care and Social Security benefits. She is highly knowledgeable on the military system and their benefit plans . Her investment philosophy developed early in her career and follows the principle of investment used by farmers for thousands of years: investment, increase and interval. The principle of investment is very simple - no seed, no harvest; generous seed, generous harvest. Farmers understand the principle of increase; not only must they sow to reap, but also that more will be reaped than is sown. Farmers know that they must wait patiently during the period of interval. They do not plant corn in the morning and expect to have it for dinner that evening. Farmers and investors cannot escape the period of waiting. They must be patient, trusting that their planting (their investment) will result in a harvest. Farmers and investors do not become doubtful when their seed (their investment) fails to mature overnight. Both understand the principle of interval and realize it is as essential to the harvest as is the planting. Michele is an active member in her church on Capitol Hill and served as the Hospitality Deacon for many years. She was an active member of Lydia Fellowship International, an intercessory prayer group, and served in the position of leadership for over 15 years. Her adult son, a career Army officer, and daughter, along with her 5 grandchildren, 1 of whom currently serves in the US Navy, complete her family circle.

Licenses:

  • • State Life & Health Insurance Licenses
  • • FINRA Series 7, General Securities Registered Representative
  • • FINRA Series 63, Uniform Securities Agent State Law License

Michele is currently licensed to sell Securities in:
DC, DE, MA, MD, VA, WV

Services:

  • • Financial, Retirement and Estate Planning
  • • Complete range of Brokerage Services
  • • Open Architecture of Mutual Funds, Annuities
  • • Life, Disability and Long Term Care Insurances


Meet your PenFedInvest Licensed Support Staff
CUSO Financial Services, L.P. (CFS)
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Sylvie Bartholomew

Contact Information

Direct Phone: (703) 921-9275
Direct Fax: (703) 921-1529
sylvie.bartholomew@penfedinvest.com

Is a Registered Licensed Associate through CUSO Financial Services, L.P. at Pentagon Federal Credit Union. Ms. Bartholomew has over 30 years of experience in the financial services industry having worked at Merrill Lynch in Washington, D.C. for 25 years. She was an Assistant/Associate to the top producing Financial Advisors at Merrill Lynch. Sylvie also was a Team Captain, training new hires. She was given increased client management and administrative responsibilities including transactional oversight for key investor clients. Sylvie is a client-oriented professional with a reputation for consistent accuracy, initiative, outstanding organizational skills and attention to detail with demonstrated success working under tight deadlines. Sylvie maintains strong and positive long-standing client relationships by delivering on commitments and communicating daily with clients via telephone, letter, e-mail, and in person. Sylvie came to PenFed Invest in October 2009 and then went to NASA Federal Credit Union in January 2011. In August 2012, she returned to PenFed Invest, and she is very excited to team back up with Gail Lesh and she will be located near her neighborhood at the Kingstowne Branch in Alexandria, VA.

Licenses:

  • • FINRA Series 7, General Securities Registered Representative
  • • FINRA Series 63, Uniform Securities Agent State Law License

Sylvie is currently licensed to sell Securities in:
VA & DC

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Charmaine M. Brown

Contact Information

Direct Phone: (202) 563-0018
Direct Fax: (202) 563-0850
charmaine.brown@penfedinvest.com

Is a Registered Licensed Associate through CUSO Financial Services, L.P. at Pentagon Federal Credit Union. Charmaine has over 3 years of experience in the financial services industry having worked at both Morgan Stanley in Chevy Chase, MD. and SunTrust Bank in Laurel, MD. as a Financial Consultant. Charmaine is a client-oriented professional with outstanding organizational skills and her attention with client needs. She maintains strong positive client relationships by delivering on commitments and communicating daily with clients via telephone, letter, e-mail, and in person. Charmaine is very happy to be working with Financial Advisor, Lauri Dubia. She will be located in the Joint Base Bolling/Anacostia branch in Washington, DC. Charmaine is an active member of Habitat for Humanity community service group she enjoys Hiking and Bike riding in her spare time.

Licenses:

  • • State Life & Health Insurance Licenses
  • • FINRA Series 7, General Securities Registered Representative
  • • FINRA Series 63, Uniform Securities Agent State Law License
  • • FINRA Series 66, Investment Advisor Representative

Charmaine is currently licensed to sell Securities in:
MD, VA, DC