Investment Services

There is no better time to plan for your future than right now. We have teamed up with SZC Financial to provide you access to full-service investment advice. So whether you are a seasoned investor or just getting started we can help you!

 

Steve Collins

For more than 20 years, Steve has helped individuals, families, federal employees, business owners, and retirees make informed financial decisions and work toward their long-term goals. As a financial advisor held to the fiduciary standard, he is committed to providing thoughtful guidance and personalized strategies that help clients navigate life's financial complexities with confidence.
 
Steve specializes in comprehensive financial planning, retirement income planning, investment management, and wealth preservation. He works with a wide range of clients, including high-net-worth individuals and families, helping them address important considerations such as retirement readiness, tax-efficient planning, estate and legacy goals, and risk management. Clients appreciate his ability to explain complex financial topics in a straightforward and understandable way.
 
Steve has extensive experience working with federal employees and understands the unique benefits and retirement planning opportunities available through federal service. Over the years, he has helped many federal employees make informed decisions regarding their retirement benefits, Thrift Savings Plan (TSP), pension options, and overall retirement strategy.
 
In addition, Steve has built longstanding relationships within the first responder community. As the son of a retired Montgomery County police officer, he has a personal appreciation for the challenges and opportunities facing law enforcement officers, firefighters, and other public servants. This background has helped him better understand the financial decisions many first responders encounter throughout their careers and into retirement.
 
At the heart of Steve's practice is a simple belief: financial planning should help people feel more confident about their future and more prepared for the decisions ahead.
 
Our Approach:
 
Organize. Strategize. Maximize.
 
Financial planning doesn't have to be complicated.
 
Our team helps clients organize their financial lives, develop thoughtful strategies, and make the most of the opportunities available to them. Through a personalized fiduciary approach, we work to simplify complexity, provide clarity, and help clients stay focused on what matters most.
 
Whether you're preparing for retirement, managing family wealth, navigating federal benefits, or planning for future generations, we're committed to helping you move forward with confidence.
 

Steve Collins / Visit Website

Phone: 202-595-1700 

[email protected]

Daniel Avnaim 

Daniel Avnaim is a Service Advisor with SZC Financial, where he works with individuals and families to help them pursue their long-term financial goals. In his role, Daniel assists with investment management, retirement planning, portfolio analysis, and ongoing client service, helping clients navigate important financial decisions with confidence.

A native of Rockville, Maryland, Daniel graduated from Thomas S. Wootton High School before earning a Bachelor of Science in Finance from San Diego State University's Fowler College of Business. He holds the Series 7 and Series 66 securities licenses and is committed to providing personalized guidance and exceptional service to every client relationship.

In his spare time, Daniel enjoys spending time at the beach, hiking, and traveling.

“I believe that financial success is not just about numbers, but about understanding and achieving your personal goals. My mission is to provide our clients with the guidance and tools they need to build a successful future.”

Daniel Avnaim / Visit Website

Phone: 202-595-1700

[email protected]

Stephen Zelcer

Stephen Zelcer brings over 15 years of Federal Benefits expertise to MAFCU.

Having personally delivered over 250 pre-retirement seminars, teaching thousands about all aspects of financial literacy, retirement, and Federal Benefits. Because of Stephen's specialty with Federal Benefits, he has been invited by dozens of agencies to teach and explain the interrelationship between Federal Benefits and personal finances. Stephen Zelcer is an Investment Adviser Representative with Kestra Advisory Services, LLC.

Stephen Zelcer / Visit Website

Phone: 202-595-1700 

[email protected]

David Shober

David Shober has worked with many clients from all parts of the country over the years to help bring structure and balance to their financial lives.

Using sophisticated financial planning tools currently available David assists his clients with the following:

  • Investment management
  • Cash flow analysis
  • Retirement planning
  • Estate planning
  • Insurance assessments and planning
  • College planning

"I believe in developing and maintaining a solid relationship based on trust and integrity to help my client achieve what's truly important in their lives."

As a lifelong resident of Maryland, David has lived for the last 20 years in Germantown and graduated high school from nearby Seneca Valley and has a business degree from Montgomery College. In his spare time he enjoys spending time with his wife and 2 sons. He is also an avid S.C.U.B.A. diver and along with his brother has visited some of the most spectacular dive sites in the world.

David Shober is an Investment Adviser Representative with Kestra Advisory Services, LLC and has been a financial advisor since 2001.

David Shober / Visit Website

Phone: 202-595-1700

12820 Wisteria Drive, Germantown MD 20874

[email protected]

Susan Redding

With more than 40 years of professional experience, Sue has built her career on a foundation of organization, client service, and operational excellence. Her background in the hospitality industry provided extensive experience in financial management, budgeting, and coordinating the efficient operation of multiple departments, while fostering a strong commitment to exceptional customer service.
 
As Office Manager at SZC Financial, Sue works closely with the firm's advisors to support both the organization and the clients it serves. Sue maintains the firm and client records, coordinating client meetings and annual reviews, managing daily office operations, and assisting with the planning and execution of client events. She is dedicated to creating a seamless and welcoming experience for every client while ensuring the office operates efficiently and effectively.
 
Throughout her career, Sue has enjoyed collaborating with diverse teams, building meaningful relationships, and providing the organizational support that helps businesses thrive. Her attention to detail, commitment to service, and focus on client satisfaction have been instrumental in fostering trust and supporting long-term client relationships.
 
Sue believes success is measured not only by results, but also by the trust that is earned, the integrity that is demonstrated, and the positive impact made on those served. She is committed to helping clients feel welcomed, supported, and confident in their experience with the firm.
 

Susan Redding | Office Manager / Visit Website

Phone: 202-595-1700 

[email protected]

SZC Financial Planners brings the following to MAFCU and its members:

  • Financial Planning Services
  • Financial Planning Products
  • Financial Planning Education

Our Financial Planning services cover:

  • Retirement Planning
  • College Savings
  • Debt Reduction
  • Investment Management
  • Insurance Strategy
  • Business Financial Planning

Our Financial Planning Products cover:

  • Investment Accounts
  • Retirement Accounts
  • College 529 Plans
  • Annuities
  • Mutual Funds (and other publicly traded funds)
  • Life Insurance
  • Long Term Care Insurance
  • Disability Insurance
  • Employer/Employee Benefits:
    • 401(k) Accounts
    • Group Health Insurance

Please note:

David Shober and Steve Collins offer securities and investment planning and advisory services through Kestra Advisory Services, LLC member FINRA.ORG,SIPC.ORG. Kestra Advisory Services, LLC, is separately owned and other entities and/or marketing names, products or services referenced here are independent of Kestra Advisory Services, LLC. Securities are not NCUA insured, no credit union guarantee and may lose value. Kestra Advisory Services, LLC. and Mid-Atlantic Federal Credit Union are not affiliated.

Representative may not be registered to offer securities and advisory services in all states.

To learn more about the professional history of our advisors/firm, please visit FINRA’s BrokerCheck

"SZC Financial" is not a legal entity. It is a trade name used to market services provided by David Shober, Stephen Zelcer, and Steve Collins. Messrs. Shober, Zelcer, and Collins offer investment advisory services through Kestra Advisory Services, LLC (Kestra AS). They do not offer tax or legal advice. Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Kestra AS and Kestra IS are not affiliated with SZC Financial, Mid-Atlantic Federal Credit Union, or any other entities listed herein. Investor Disclosures: https://www.kestrafinancial.com/disclosures
 
This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance Department at 844-5-KESTRA (844-553-7872). The web site links referenced are being provided strictly as a courtesy. Neither us, nor Kestra IS or Kestra AS are liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of the links provided.