Meet Your Advisor

As a member of AAACU, you have access to our Financial Advisor David Elster available through our broker-dealer CFS*.

Financial Advisor David Elster

David believes there is no "rule of thumb" when it comes to planning for life goals. Any such plan requires considerable thought and planning. As a CERTIFIED FINANCIAL PLANNER professional, he is committed to working with individuals and families to define and refine financial goals and preparing actionable plants to meet those goals.

Whether it’s developing sound solutions for your retirement, generating income, or protecting your assets through insurance, David is here to:

  • Listen to your financial needs
  • Provide impartial advice to help you make informed decisions
  • Be dependable and responsive

If you would like to learn more about our services, feel free to contact David by calling 858-805-7949 or by emailing

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 the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Alpena Alcona Area Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.