HFCU Investments Group

Plan with Confidence for Your Future
At Houston Federal Credit Union, our team of Financial Advisors is here to help you prepare for what matters most. Whether you’re planning for retirement, protecting your family, or growing your wealth, we provide personalized strategies designed around your goals.


Couple sitting on couch doing finances looking at a laptop smiling


Our Approach

Personalized Guidance, Built Around You 
No two members are the same, which is why our process begins with listening. Your unique goals, your comfort with risk, and your timeline shape the strategies we build together. Our Financial Advisors are committed to providing clarity, confidence, and lasting value for every stage of your financial journey. 

Services We Offer

Our Financial Advisors can help you with:
  • Planning for Retirement – Make sure you’re ready when the time comes
  • Smart Investing – Strategies tailored to your comfort with risk
  • Protecting Your Family – Life and health insurance for peace of mind
  • Growth and Wealth Preservation – Build confidence in your financial future

Meet Our Financial Advisors

Guidance from Experienced Professionals
Our advisors bring decades of combined experience along with advanced credentials and a genuine commitment to helping members succeed. Get to know the people who will be working alongside you: 























































































Carlos Torresdey 
AWMA®, CRPC® 

Financial Advisor 
HFCU Investment & Retirement Services
 
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For more than twelve years, Carlos Torresdey has helped clients achieve clarity and confidence in their financial futures through a thoughtful, client-centered approach. By aligning financial strategies with each person’s unique goals, comfort with risk, and timeline, he designs plans that support lasting financial well-being. His work spans individuals, families, and business owners who seek meaningful, long-term outcomes in building and preserving their wealth.

Carlos holds the Accredited Wealth Management Advisor (AWMA®) and Chartered Retirement Planning Counselor (CRPC®) designations, along with a bachelor’s degree in business. He is passionate about building authentic relationships and helping people make informed, confident decisions about their money.

Outside of work, Carlos enjoys traveling with his wife, Alma. They have been together for over thirteen years and value making lasting memories wherever they go. He also enjoys spending time with family and finds fulfillment in creating strong personal connections.




























 Marcel Theriot

Program Manager, Financial Advisor  
HFCU Investment & Retirement Services

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With more than 25 years of experience in the financial industry, Marcel Theriot helps clients pursue lasting financial security through a thoughtful, goal-oriented approach. He works closely with individuals, families, and business owners to develop personalized strategies that reflect their unique priorities, comfort with risk, and long-term objectives.

Marcel holds an MBA from Texas A&M University in College Station and is licensed as an Investment Advisor, General Securities Representative, and General Lines Insurance Agent for Life, Accident, and Health. He also holds a FINRA Series 24 license, which qualifies him to supervise other financial professionals and lead investment program operations.

Marcel was born and raised in Houston and now lives in the area with his wife, Grace. They have been married for 30 years and have three daughters. Outside of work, Marcel enjoys cheering on Houston’s professional sports teams along with rooting for his Texas A&M Aggies. He also enjoys spending time outdoors, cooking, and making memories with his family.
 

Let’s Start the Conversation

Planning your financial future doesn’t have to be overwhelming. Schedule a no-cost no-obligation appointment today with one of our Financial Advisors and see how we can help you move toward your goals with confidence. 

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The financial professionals at HFCU Investment & Retirement Services are registered representatives with, and 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. Houston Federal Credit Union and HFCU Investment & Retirement Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using HFCU Investment & Retirement Services, and may also be employees of Houston Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Houston Federal Credit Union or HFCU Investment & Retirement Services. Securities and insurance offered through LPL or its affiliates are:
 
Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value
 
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 https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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.