Ron Moody is the founder and Chief Investment Officer of Oak Tree Financial Services, LLC. Ron has been involved in the financial services industry since 1981. He graduated with a bachelor's degree from the University of Alabama. Ron holds the designations of CERTIFIED FINANCIAL PLANNER® professional and Chartered Retirement Planning Counselor® from the College of Financial Planning, Certified Senior Advisor®, and is a member of the Financial Planning Association. Ron holds various securities registrations with LPL Financial including Series 63, 7 and 8; Series 65 held with Oak Tree Financial Services.
His extensive background and knowledge in the investment, estate and retirement planning fields help Ron to provide outstanding service to his clients. Because Ron is challenged by the financial market, he approaches his job enthusiastically. He has dedicated himself to long hours and staying up to date through continuing education courses. It is through this effort that Ron feels he can best serve the people he works for, his clients, and help them achieve the "work optional" lifestyle.
Ron's knowledge in the financial services arena has helped him to conduct numerous seminars and workshops on investments and estate planning. Through outstanding service and a commitment to excellence, Ron has built a solid client base and cares deeply for his clients' success.
Founded in 2009, Oak Tree Financial Services, LLC has a combined 80+ years of financial service experience across 4 different advisors. Securities are offered through LPL Financial, LLC, an SEC registered investment adviser and member FINRA/SIPC broker/dealer. This allows Oak Tree to maintain the "small town" look and feel, while still being backed by the support and technology of a Fortune 500 company. Our goal at Oak Tree is not to see how large we can become, but how small we can remain so that we build long term relationships and you receive the individual service that you deserve and expect.
|Firm Start Year:||2009|
|No. of Employees:||5-9|
|Name of Broker/Dealer:||LPL Financial, LLC|
|Name of Custodial Firm:||LPL Financial, LLC|
|States Licensed in:||AL, CA, CT, FL, GA, KY, MD, MI, MN, MO, MS, NC, NE, NY, OH, PA, SD, TN, TX, VA|
|Number of Years with Current Firm:||13|
|Work Experience:||Merrill Lynch: 1981 - 1989 Prudential Securities Inc: 1989 - 1994 Legg Mason Wood Walker, Inc: 1994 - 2006 CitiGroup Global Markets, Inc: 2006 - 2009 Wells Fargo Advisors Financial Network, LLC: 2009 - 2011 LPL Financial LLC, Registered Rep and Investment Adviser Rep: 2011 - Present Oak Tree Financial Services, LLC, Managing Principal and Investment Adviser Rep: 2009 - Present|
|Work with the following types of clients:||Individual Investors, Businesses|
|Advisory Services Provided:||Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Portfolio Management, Retirement Planning, 401K Rollovers, Risk Management, Money Management, Wealth Management|
|Investment Types:||Alternative Investments, Exchange Traded Funds (ETFs), Stocks, Bonds, Options & Futures, Annuities, Insurance, Mutual Funds, Socially Responsible Investments (SRI)|
|Can meet clients in the following ways:||Our Office, Phone, Your Office, Email, Video Conference|
Qualifications & Memberships
|Insurance and Annuity Licenses:||Variable Life, Long Term Care, Variable Annuity, HMO, Life, Annuity, Disability|
|Advisor's Number of Clients:||254|
|Advisor's Number of Managed Clients:||183|
|Advisor's Number of Planning Clients:||68|
|Assets Managed by Advisor:||$110,000,000|
Compensation and Fees
|Minimum Portfolio Size for New Managed Accounts:||$100,000|
|Compensation Methods:||Commissions, Flat Fee, Hourly, Based on Assets|
|Fee % Based on Assets:||Variable|
|Hourly Rate:||$75 - $250|
|Additional Details on Charges:||For Advisory Accounts (aggregated): 1.25% for $0 - $250,000 0.85% for $250,001 - $1,000,000 0.75% for $1,000,001 - $2,000,000 0.65% for $2,000,001 - $3,000,000 Negotiated for account values $3,000,000+|
|Minimum Fee Charged for Hourly Planning Accounts:||$75|
|Bachelor of Science - Biology||University of Alabama
- Tuscaloosa, SL
At Oak Tree Financial Services, LLC we are only interested in building a long-term relationship with our clients. We act as a fiduciary and are obligated to act only in your best interest. We tailor each portfolio to the client's respective goals, risk profile, and time horizon. For managed accounts, we own the same investments that our clients are in invested in, so we monitor them on an ongoing basis. Changes are made periodically throughout the year based on market conditions, and even more so during periods of high volatility.
|Financial Planning for Businesses
Businesses have their own separate needs when it comes to financial planning, no matter how large or small. Whether it's attracting and retaining top talent through an appealing benefits package, or managing cashflow for growth or a large purchase, or simply just for general advice from inception to succession. We can develop a business financial plan to work toward those needs.
|Financial Planning for Individuals
At Oak Tree, we realize that we are not all things to ALL people, but we hope to be all things to SOME people: our clients. We have recognized that most people go through the same critical financial events in their life, whether it's marriage or the birth of a child, sale or purchase of a home, illness and death, or travel and fun. Because of this we centered the Grow FORMula around our "7 Pillars" that all people will go through at some point in their financial lives: Wealth Management, Risk Management, Tax Planning, Legacy Planning, Cash Management, Philanthropy, and other Value-Added Services.
|Financial Advice & Consulting
We call our proprietary process the Grow FORMula. After surveying our existing clients we found that their Family, Occupation, and Recreation are the reasons WHY they do everything they do; these 3 things make up the first part of FORM. "M" stands for Money and this answers the question of HOW they are able to accomplish their goals for their 3 "WHY's". At Oak Tree, we try to exist at the crossroads of what matters most to you, and the things we can control.
The five years leading up to retirement and the five years following is the most crucial time period when it comes to retirement, and can make or break your goals in retirement. Our process takes this, as well as other crucial factors, into account to give your plan the highest probability of success.
If you have a 401(k) from a previous employer and aren't sure what to do with it, ask us about the different options and we will help you decide which one is right for you. If you decide you want to transfer or rollover to an account with us, we can even handle the transaction with the current custodian on your behalf.
|Education Funding and Planning
Any advisor is able to tell you how to save for college and higher education through various investment and tax-advantaged accounts, but where many fall short is actually providing college plans that are part of your overall financial plan. We have access to specialized software that allows us to do just that by assessing your student's education goals, repositioning assets to maximize financial aid, and potentially saving you thousands on college costs, all while leaving your retirement assets in tact.
|Investment Advice & Management
We get to know our clients before any particular investments are even discussed. LPL Financial, our broker/dealer and custodian, does not have any investment products of their own, so we have no proprietary products that we will push or try to sell you to try and earn a commission. We customize each portfolio to the respective client's goals, risk profile, and investment time horizon. With over 80 years of combined experience, our fund screening process seeks to find the most suitable, best performing, and lowest cost investments from all sectors of the stock and bond markets. In addition to our core model portfolios, we can also include satellite positions in other suitable investments that may be of interest to you.
At Oak Tree Financial Services, we understand that managing wealth is more than just buying and selling securities. That's why we have developed an extensive network of professionals and valued advisors in the legal, tax, and estate fields saving you the time and effort. Already have professionals that you know and trust? Great! We would love to work along side them on your behalf.
Everyone has different risks and risk tolerances, so we try and get a comprehensive picture on the risks that are unique to you and your family. Whether it's disability or long term care, business, death or longevity risks, we attempt to eliminate the risks that we can and minimize the risks that we can't through various investment and insurance products.
If your retirement goals are your "What", then money is your "Why". This is why the sequence of returns leading up to and after retirement are so important, and why we place an emphasis on cashflow and debt management before, during, and after retirement.
WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
LPL ADV 2A
Additional Detailed Disclosures
Registered Investment Advisor:
Investment Advisor Representative:
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
|Mon.||8:30 AM - 4:30 PM|
|Tue.||8:30 AM - 4:30 PM|
|Wed.||8:30 AM - 4:30 PM|
|Thu.||8:30 AM - 4:30 PM|
|Fri.||8:30 AM - 4:30 PM|