Organize, Strategize, Maximize with Confidence
Organize, Strategize, Maximize with Confidence
About SZC Financial
Do you view money as a goal or a means?
At SZC Financial we recognize that your money is a reflection of your deeply-held philosophies. As fiduciary financial advisors we help our clients articulate their personal goals, remove the drags of financial inefficiency, and maximize all their financial resources – meaning, we help get you to your goals as quickly as possible.
Our team
David Shober
Financial Advisor
Using the most 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 clients achieve what’s truly important in their lives.”
David Shober is an Investment Adviser Representative with Kestra Advisory Services, LLC and has been a Financial Advisor since 2001.
Stephen Zelcer
Financial Advisor
Stephen Zelcer is the source of Financial Education for Federal Employees. He stands at the intersection between Federal Benefits and personal finance, guiding you in what you could and should be doing to integrate your benefits with the rest of your financial life.
Stephen specializes in financial planning for Federal Employees with an emphasis on retirement planning, asset management, and self-insurance. He has worked 1-on1 with Federal Employees at all levels, including executives and judges.
In addition to his planning practice, Stephen is an accomplished lecturer. He has delivered hundreds of financial literacy classes to dozens of federal agencies. Since 2007 Stephen has taught over twenty-five thousand Federal Employees about financial planning and retirement.
Steve Collins
Financial Advisor
With more than 20 years of experience, Steve helps individuals, families, federal employees, business owners, and retirees navigate important financial decisions and plan for their future. As a fiduciary financial advisor, he is committed to providing personalized guidance and comprehensive financial strategies tailored to each client’s goals and circumstances.
Steve specializes in investment management, retirement income planning, wealth preservation, and comprehensive financial planning. He works closely with clients to address retirement readiness, tax-efficient strategies, estate planning, and legacy goals,helping them make informed decisions at every stage of life.
Steve has extensive experience guiding federal employees through their unique retirement benefits, including the Thrift Savings Plan (TSP), pension options, and retirement income strategies. He also has a strong connection to the first responder community as the son of a retired Montgomery County police officer, giving him a personal appreciation for the financial needs and challenges faced by law enforcement officers, firefighters, and other public servants.
Steve believes financial planning is about more than managing money—it’s about helping clients gain clarity, protect what they have worked hard to build, and feel confident about the future. Through a thoughtful, relationship-driven approach, he strives to simplify complex financial matters and provide trusted guidance that supports clients and their families for years to come.
Sue Redding
Office Manager
Sue joined the SZC Financial team in 2023 as Office Manager, bringing a strong
background in financial management, budgeting, and business operations. She works closely with the firm’s advisors to ensure smooth daily operations, maintain accurate client records, coordinate client meetings and annual reviews, and assist with planning and executing client events.
Sue is dedicated to operational excellence, attention to detail, and exceptional client service. She takes pride in creating an organized, welcoming environment where clients feel valued and supported. Through her commitment to professionalism, teamwork, and personalized service, Sue helps strengthen client relationships and ensure a positive experience for every client at SZC Financial.
Daniel Avnaim
Financial Management Associate
Daniel Avnaim is an Associate Advisor at SZC Financial, where he supports individuals and families in pursuing their financial goals. He assists with investment management, retirement planning, portfolio analysis, and day-to-day client service, ensuring clients
receive responsive, personalized support and guidance.
A native of Rockville, Maryland, Daniel earned 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 delivering exceptional customer
service while helping clients navigate their financial needs with confidence.
“I believe financial success is about more than numbers—it’s about understanding each client”s goals and providing the guidance and support to help them achieve them.”
Amy Lebeck
Planner
Amy joined the team in 2019 as a Financial Planning Specialist. She has been assisting the team in developing our client webinars. Amy has a Bachelor’s degree in Human Services from UWS and a Masters in Financial Planning from SDSU. She is currently studying to attain the Certified Financial Planner (CFP®) designation. Amy thoroughly enjoys financial planning and the role it plays in helping people achieve their personal goals.
Amy currently resides in central Minnesota. Besides spending time with her friends and family, she loves road trips, history, podcasts, and music.
Chaya Zelinger
Executive Assistant
Stephen Zelcer’s daughter, Chaya, joined the team in 2022, serving as Stephen’s executive assistant. She directly manages communications, scheduling, and billing, with both Stephen’s clients and the Federal agencies we work with.
Chaya is not affiliated with Kestra.
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The 5th Annual John Shober Memorial Golf Tournament
Our 5th Annual John Shober Memorial Golf Tournament was held this past September at Blue Mash Golf Club, benefiting the Shady Grove Adventist Aquilino Cancer Center.
This year was our most successful yet! With more than 80 golfers and 10 sponsors, we raised over $30,000, setting new records for both participation and funds raised!
The day was filled with friendly competition, with trophies and prizes awarded to the top two teams, along with winners of the Longest Drive and Closest to the Pin contests.
A heartfelt thank-you to everyone who participated, sponsored, and supported this wonderful event. Your generosity helps make a difference!
Save the Date! Next year’s tournament will return to Blue Mash Golf Club on Monday, September 13, 2027.
