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, Al Durazo, 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 Al Durazo, feel free to contact him at 800.UCU.4510 x2309 or email him at to schedule an appointment.


Al Durazo is securities licensed in California and holds a California Insurance license #0H23063 .


Broker Check - Check the background of this investment professional

Member Testimonial

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

- Beverly W.