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David Layo, RICP® Wealth Advisor
CUSO Financial Services, L.P.*
David works closely with Citadel members to create personalized financial and retirement plans.
Create a tailored financial plan based on your goals
“As a Wealth Advisor registered through CUSO Financial Services at Citadel Credit Union, I create customized financial plans for individuals, families, and businesses. These tailored plans are actively maintained by addressing their specific goals for current, future, retirement, and legacy succession. The core principles of my process are personalized service and disciplined investment risk management. I work for each client as if they are family, and I strive to build lasting, multi-generational relationships based on trust and superior client service.”
Since joining Citadel in 2006, David has serviced many members throughout Citadel’s branch network and out of the Citadel Wealth Management Center in West Chester. With over 20 years in the financial services industry, David serves as a mentor to many of his colleagues to support with their professional development. He is also actively involved with local non-profit organizations such as the Chester County Food Bank, Lionville YMCA, and the United Way of Chester County.
David received his Retirement Income Certified Professional (RICP) designation from The American College of Financial Services.† The RICP is a professional designation that implies specialized education in retirement income and commitment to professional and ethical best practices. David received his Bachelor of Science degree from West Chester University with concentrations in Finance and Marketing. David is a proud WCU Baseball Alumni and has lived in Chester County for more than 20 years.
†Only 7.50% of all U.S. financial advisors have obtained this designation
Citadel Wealth Management Center and the West Chester branch.
Awards and Recognition
- Philadelphia Magazine’s Five Star Award Winner, 2014-2020 (7 Years)***
- CUSO Financial Services Pacesetter Award Winner, 2007-2020 (14 Years)††
- Life/Accident and Health Licensed in DE, FL, NC, NJ, PA
- Securities Licensed in AL, AZ, CA, DE, FL, GA, IL, MA, ME, MD, MO, NJ, NY, NC, OH, PA, SC, TX, TN, VA, WV
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David works closely with Citadel members to create personalized financial and retirement plans. These tailored plans are actively maintained by addressing their specific goals for current, future, retirement, and legacy succession.
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*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 Citadel, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Citadel has contracted with CFS to make non-deposit investment products and services available to Citadel members.
**Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.
***The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Visit www.fivestarprofessional.com for information on research/selection methodology.
††This award is presented by CFS as a way to recognize top advisors for their dedication to high standards, commitment to superior service, and outstanding performance in delivering investment services to clients.