The 18-year clock starts ticking the moment your child is born.


Whether they want to grow up to be a astronaut or an architect, as parents and grandparents we want to support them and their dreams, as best we can.


University Credit Union and our CFS* Financial Advisor, David Elster, can help you help your children and grandchildren by:

1. Discussing the different plans available and uncovering what’s best for your family:

  • 529 Plans**
  • Coverdell Education Savings Accounts
  • UGMA & UTMA Custodial Accounts for Minors

2. Answering frequently asked questions by Grandparents

  • Will Medicaid count my Grandchild’s 529 plans as a part of my assets?
  • Can I access the money in the event of an emergency?
  • Can a 529 plan affect my grandchild’s chance of receiving Financial Aid?

If you would like to learn more about David Elster, feel free to contact him at 858-805-7949 or email him at to schedule an appointment.


David Elster is securities licensed in California and holds a California Insurance license #0H84747.


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Member Testimonial

"The way each UCU staff member cared for my every concern afforded me to drive away in my new ride."

- Beverly W.