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

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]

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 / Visit Website

Phone: 202-595-1700 

[email protected]

Stephen Zelcer is not registered nor affiliated with Kestra Advisory Services, LLC.

Steve Collins

For over 20 years, Steve has worked with his clients to strengthen their finances and help foster a better understanding of their financial situation. He prides himself on being able to take complicated financial matters and simplify them into easy-to-understand concepts.  

Steve has built a strong client base of local police and fire fighters. The son of a retired Montgomery County police officer, Steve knows firsthand the many financial decisions facing local first responders today. He has spent the last 20 years learning about their workplace benefits and serving their financial needs. 

As a lifelong resident of Maryland, Steve grew up in Olney and now resides with his wife and 4 sons in Western Howard County. He has a finance degree from the Robert H. Smith School of Business at the University of Maryland. In his spare time, he enjoys spending time with his family, traveling, and coaching his sons’ sports teams.

Steve Collins is an Investment Adviser Representative with Kestra Advisory Services, LLC and has been a financial advisor since 2009

Steve Collins / Visit Website

Phone: 301-633-2081 

[email protected]

Susan Redding

With a career spanning four decades, Susan Redding dedicated her professional journey to the dynamic and ever-evolving realm of the hospitality industry. Throughout the years, her focus has been on the work of accounts and budgets, contributing significantly to the financial success and operation efficiency of various departments.

In addition to financial acumen, her role involved collaborating closely with cross-functional teams. Building strong relationships with colleagues in operations, HR and corporate leadership has been instrumental in achieving her organizational goals.

Susan believes that in the landscape of finance, success is not solely measured in numbers but in the trust we build, the integrity upheld and the positive impact created.

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

Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS or Kestra AS are not affiliated with Shober, Zelcer and Collins Financial. SZC Financial does not offer tax or legal advice. Kestra is separately owned and other entities and/or marketing names, products or services referenced here are independent of Kestra LLC (Kestra IS, Kestra AS).  Kestra IS or Kestra AS and Mid-Atlantic Federal Credit Union are not affiliated.
Investor 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.