Mcspeed

If it's actually mold, it's probably a situation where the soil is staying wet. If thats the case and your tree doesn't like to be wet you are heading for trouble.

Can you post a picture so we can see what you have, and what is the soil composed of, and what is your watering routine like. In some cases ( depends on the type of tree, it maybe a symbiotic fungus that actually helps the tree thrive.

Air Force?

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