Ron Moody, CFP^®, CSA^®, CRPC^®
Oak Tree Financial Services, LLC

Financial Services

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.

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.

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.

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.

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.

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.