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David M. Culler

Financial Advisor 

(408) 392-7828

David M. Culler is a financial advisor with Pacific Advisors. For the past 25 years, he has been helping his clients address the numerous and varied challenges associated with financial planning. Dave specializes in helping people understand and develop coordinated comprehensive financial plans. He aids his clients by showing them how to integrate all of their planning decisions so they can maximize their full financial potential. As a result, Dave is able to help his clients maximize their wealth over time without increasing their risk.

Dave is a Chartered Financial Consultant (ChFC) and a Chartered Life Underwriter (CLU). He is a past president of the San Jose Chapter of the Society of Financial Service Professionals. This national organization is the preeminent source of continuing education for numerous credentialed professionals in the field of financial services.

Dave is a former director of the CPA/Law Forum of Silicon Valley. As a director, he offered continuing education classes for CPA’s and Attorneys. These classes covered a wide range of topics including investment, insurance and estate planning. Dave has taught “Macro-Economic Financial Planning” at West Valley College in Saratoga. This course, offered through the college’s continuing education department, helped to educate people about the inherent problems associated with fnancial decision making, as well as how to develop strategies for success.


Complex strategies require advanced strategies, complex coordination, and specialized knowledge. At Pacific Advisors, we have implemented some of the most effective strategies for advanced asset protection and transfer, as well as maximization of assets and income. To accomplish this, we bring together your trusted professionals and our team of specialists to design strategies optimized for your unique situation. 

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Click to watch how we can help bring financial balance to your life.


At Pacific Advisors, we help you get financially organized and make better-informed decisions and practices. You'll get a wide-angle view of your business, personal, and protected finances, allowing you to adapt as your circumstances and desires change. We offer a web tool called the Living Balance Sheet®. This tool makes it easy to recognize the long-term potential of every dollar you earn, so you can make decisions toward achieving improved financial balance. 

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Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 2875 Michelle Dr. Suite 110 Irvine, CA 92606, 909-399-1100. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Pacific Advisors is not an affiliate or subsidiary of PAS or Guardian. Pacific Advisors is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Insurance products offered through One Pacific Financial & Insurance Solutions LLC, DBA of Pacific Advisors LLC. Pacific Advisors LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. CA Insurance License Number - 0674584. This material is intended for general use. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or otherwise act in a fiduciary capacity.