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Newsletters
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    One advantage of term life insurance is that it is generally the most cost-effective way to achieve the maximum life insurance protection
  • Infographic: Working in Retirement
    Content will appear in the future.
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    Outstanding student loan debt in the United States has tripled over the last decade, surpassing both auto and credit card debt to take second place behind housing debt
  • What are the new rules for 401(k) hardship withdrawals?
    The Bipartisan Budget Act passed in early 2018 relaxed some of the rules governing hardship withdrawals from 401(k)s and similar plans. Not all plans
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    A health savings account (HSA) is a tax-advantaged account that you can establish and contribute to if you are enrolled in a high-deductible health plan (HDHP). Because
    
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Our Team
Jim Hussey, AAMS
Director of Wealth Management

Jim Hussey is a Financial Advisor and Director of Wealth Management for Kern Schools Federal Credit Union available through LPL Financial. Jim specializes in retirement planning, wealth management & protection, long-term care insurance, and life insurance.

Jim is available at the following branches: Town and Country and River Run.

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Patrick Bailey
Financial Advisor

Patrick Bailey is a Financial Advisor for Kern Schools Federal Credit Union, available through LPL Financial. Patrick specializes in retirement planning, wealth management & protection, long-term care insurance, and life insurance.  He currently hold his series 7 and 63  securities licenses as well as his California State Insurance License (0H69656). Patrick originally started his career with Kern Schools as a teller back in 2007.  Patrick has been married since 2010 and has two children.  He is an avid sports fan, enjoys barbecuing and traveling.

Patrick is available at the following branches: Downtown, Ming, Rosedale, and Tehachapi.

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Richard Ramos
Financial Advisor

Richard is a Financial Advisor with Kern Schools Federal Credit Union, available through LPL Financial. Richard relies on his many years of financial experience and discipline to provide objective strategic advice for wealth accumulation and preservation goals. Upon arriving at the goal or retirement, Richard works closely with his clients in assisting with cash distribution and legacy succession. He currently holds the series 6,7,63,65,66 licenses as well as the California State Insurance License (0F3683).

Richard’s mission is to always put his clients need first and to be an accessible resource to all in need of financial advice.

Richard is married and has raised his kids in Bakersfield. He enjoys spending time with the family, growing as an individual and servicing the community.  

Richard is available at the following branches: Panama, Buena Vista, Mount Vernon, and Delano




Kern Schools Federal Credit Union

11500 Bolthouse Drive
Bakersfield, CA 93311

661-833-7730

 
 
 

Securities offered through LPL Financial, member FINRA/SIPC.  Insurance products offered through LPL Financial or its licensed affiliates. Kern Schools Federal Credit Union and Kern Schools Wealth Management are not registered broker/dealers and are not affiliated with LPL Financial.

Investment Advisory Services offered through LPL Financial, a Registered Investment Advisor

The investment products sold through LPL Financial are not insured Kern Schools Federal Credit Union deposits and are not NCUA insured. These products are not obligations of the Kern Schools Federal Credit Union and are not endorsed, recommended or guaranteed by Kern Schools Federal Credit Union 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.

 


Check the background of this financial professional on FINRA's BrokerCheck.