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Investment & Retirement

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Whether you’re dreaming of your retirement cabin, starting your own business, or going back to school, the Investment and Retirement Center at On Tap Credit Union© is here to help.

We’ll work with you to design a personalized financial strategy for the life you want to live. It’s more than just planning for retirement, it’s about helping you gain a sense of financial independence—now and for the future.

Connect with our experts and start crafting your plans for the future.

How can we help you reach your goals? 

  • Retirement Planning
  • Savings & Investment Planning
  • Asset Allocation
  • Education Planning
  • Estate Planning
  • Annuities & IRAs
  • Asset Management
  • Investment Services
  • Mutual Funds
  • Life Insurance
  • Long-Term Care

We're here to craft the right plan to get you path to success started.

Thomas P. Valdez Jr.
Financial Consultant


Tom Valdez in the Golden branch
Tom Valdez began his financial consulting career in municipal bonds. He moved to Fidelity Investments in Denver, helping clients with mutual funds, stocks and IRAs. 

Before financial consulting, Tom worked at Coors Brewing Company, now MillerCoors, for 22 years. “I have always believed that investing isn’t just about money – it’s about the future you want for you and your family."


“Most people agree that Miller Coors makes and sells the finest beers in all of the land, and I have always felt as though I contributed to a small part of this legacy having worked for more than two decades in Coors Finance and Sales,” says Tom.

“I have since taken this same passion and expertise to the Investment and Retirement Center located at On Tap Credit Union in Golden and Arvada. You’ll find me helping the many men and women along with their families who have been part of this same Coors legacy.  I help them prepare for their futures regarding investments, 401K reviews, insurance needs and retirement planning.

FINRA Series 7 and 66 State Group 1 Life and Health and Variable Life and Annuity Licenses held with LPL Financial

“I am proud to say that you can place your trust in me to help you to develop, implement and manage a focused and comprehensive financial plan that clearly defines strategies to help you to SAVE, INVEST and DRAW upon your assets wisely. Our services are available to you and your family, so give me a call to schedule an appointment.”

To contact Tom, please call 303.384.4588 or email him
at to schedule an appointment.

Tips on Tap- Investment & Retirement Center

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Investing Beyond Retirement Accounts

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 Investments Content Library

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Planning For Retirement - Take Our Course

Ready to get started planning for your future? 
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Check the background of investment professionals associated with this site on FINRA's BrokerCheck

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

 Not NCUA Insured / No Credit Union Guarantee / May Lose Value
On Tap Credit Union is not a registered broker/dealer and is not affiliated with LPL Financial.

The LPL Financial registered representative(s) associated with this site may only discuss and/or transact securities business with residents of Colorado.