Financial Management And Planning

Directions Financial Solutions (DFS) was established to serve the financial planning needs of Directions members. Staffed by a team of qualified financial professionals registered with CFS*, we are here for you when it comes to planning your future and taking care of the ones you love.

Husband and wife meeting with bank representativeDirections Financial Solutions logo

Service Offerings

  • Retirement Services
    • IRA, 401(k), 403(b), 457 plans, and TSP Rollovers
    • Retirement Planning
    • Retirement Income Strategies
    • Tax Efficient investments
  • Advice & Financial Guidance
    • Life Insurance
    • Education Funding
    • Financial Planning
    • Long-Term Care Insurance

Learn More About Our Services Partner

Directions Financial Solutions service offerings are made possible through the partnership of our broker/dealer CUSO Financial Services, LP. (CFS)*.

Formed to help credit unions meet their members’ investment needs, CFS* is nationwide and has always specialized in working with financial institutions to deliver services and support that help to procure a more secure financial future.

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Together with CUSO Financial Services, we provide the investment choices you want and the tools and services you need to achieve your financial goals.

Your Financial Advisors

Toledo Area Advisors

Matthew B. Williams

Financial Advisor

CUSO Financial Services, L.P. (member FINRA/SIPC)

Matt has over 16 years of experience in the financial services industry offering sound investment and insurance advice. He offers an array of financial services for our members. Matt is a graduate of St. Francis de Sales and the University of Cincinnati. He maintains the FINRA 7, 63, and 65 licenses along with the Ohio Accident and Health, Casualty, Life, Property, and Variable Licenses.

He and his wife Michelle have two sons and have been members of Directions Credit Union for over 12 years.

Check the background of CUSO Financial Services and Matt on FINRA’s BrokerCheck.

Douglas D. Shaffer

Financial Advisor

CUSO Financial Services, L.P. (member FINRA/SIPC)

Doug brings with him a successful career as a business owner in the Toledo area for over 16 years. Upon selling his business, he transitioned into a career in Finance. Much of his time is spent helping others navigate through their financial obstacles. His main objective is to educate and inform his clients with more knowledge than what they had before they walked through the door. Doug is a graduate of the University of Toledo in Business. He maintains the FINRA 7 & 66 licenses, along with the Ohio Life, Accident & Health, and Variables Licenses.

He and his wife Lorri have three daughters and have been members of Directions Credit Union for seven years.

Check the background of CUSO Financial Services and Douglas on FINRA’s BrokerCheck.

Central, Ohio Advisor

Kristen Sherlock

Financial Advisor

CUSO Financial Services, L.P. (member FINRA/SIPC)

Kristen brings over 13 years’ experience with Directions Credit Union serving our members’ financial needs. The last 4 years have focused on investment and insurance services. Kristen maintains the FINRA Series 7 and 66 licenses along with the Ohio Life, Accident & Health, and Variable Insurance License. She offers a wide array of financial services to help our members achieve their goals.

Kristen is a graduate of Mt. Vernon Nazarene University. She grew up near Mansfield in Galion, OH where she and her husband Justin still reside. Kristen welcomes the opportunity to help members find solutions to fit their financial goals. Her experience goes beyond serving members as she has been an active member of the Credit Union for over 13 years.

Check the background of CUSO Financial Services and Kristen on FINRA’s BrokerCheck.

Happy family signing paperwork for their new Directions Credit Union mortgage.

Schedule A Consultation

To get started designing your plan, contact us today to schedule a free, no-obligation appointment with a financial advisor.

Diane O’Neill @ 419-720-4759 or

*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. Directions Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

**Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Young family in front of their new house with realtor.

Need To Crunch The Numbers?

Financial planning is work but it doesn’t have to be hard work. Need to crunch the numbers? Directions has a variety of calculators available on our website to help with your financial planning needs!

View Calculators


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