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Meet Our Consultants

Ernesta Tobin, CERTIFIED FINANCIAL PLANNER™ Executive Director

Ernesta has been in the financial services industry since 1983, and has been an employee of Credit Union ONE since 1996. She is a CERTIFIED FINANCIAL PLANNER™ Professional and is a registered representative through LPL Financial. Ernesta holds a State of Michigan life, health and disability insurance license.

Adam Spencer, Financial Services Consultant

Adam has been in the financial services industry since 2005, and has been an employee of Credit Union ONE since 2008. He holds a series 7, 6, 63, through LPL Financial, life and disability insurance license from the State of Michigan.

Melissa Munoz, Financial Services Consultant

Melissa has been in the financial services industry since 2000, and joined Credit Union ONE's team in 2011. She is a registered representative through LPL Financial, and is a candidate for the CERTIFIED FINANCIAL PLANNER™ designation. Melissa holds her life, health, and disability insurance license with the State of Michigan.

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Credit Union ONE deposits and are not NCUA insured. These products are not obligations of the Credit Union ONE and are not endorsed, recommended or guaranteed by Credit Union ONE or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Advisory Services offered through LPL Financial, a registered investment advisor. Credit Union ONE and ONE's Financial Services are not registered broker/dealers and are not affiliated with LPL Financial. The LPL Financial registered represenative associated with this site may only discuss and/or transact securities business with residents of the following states: MI, FL, NC, PA, SC, VA, WA, WI, CT, CT, AL, TX, TN

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