What is this fungus?

Question

Hi, we have this cotton-wool like “fungus” on an apple tree. Can anyone enlighten me as to what it is, and how to treat it? Thanks for your help.

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Answer 1

I can't say exactly without a close up inspection, but I think this is a Wooly Aphid infestation.

Began treating with Neem Oil.

Here are some articles that will help you.

https://www.gardeningknowhow.com/plant-problems/pests/insects/woolly-aphid-control.htm
https://www.gardeningknowhow.com/plant-problems/pests/pesticides/neem-oil-uses.htm