Bachelor of Science

Ron Moody - Financial Advisor in Huntsville, AL | WiserAdvisor.com

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.

Oak Tree Financial Services, LLC

Richard has been in the financial services industries since 1996 in Huntsville and Decatur, Alabama. He started with Oak Tree Financial Services in March of 2017 and has been with LPL since 2013. Richard takes great pride in assisting clients with their financial planning and helping them pursue their investment goals. He believes in building strong relationships with clients and their families and wants to make complex financial issues easier to understand through education. The more the clients know the better decisions they will make. He also understands the need to remove emotions, as much as possible, from the decision process. This can be accomplished by using Rules Based&rdquo; or &ldquo;Fact Based&rdquo; investing. Richard employs several outside research providers for their expertise in this area which helps the risk management in the client's investment portfolios.

Jonathan brings more than 17 years of professional experience with him. He holds the title of Senior Wealth Consultant and Director of Financial Planning here at Oak Tree Financial. Jonathan graduated from Auburn University with a Bachelor of Science in Finance and earned an MBA, with a concentration in finance, from Creighton University. Additionally, he has earned the designations of (CFP&reg;), Certified Financial Planner&reg; and (CRPC&reg;), Chartered Retirement Planning Counselor&reg;. Jonathan has the experience to do complex financial planning, while bringing the presentation down to meaningful and easily actionable terms. Jonathan believes that everyone deserves independent expertise and the role of holistic planning is paramount to long-term financial success.

Brian joined the securities industry in 2021 after starting his career in public accounting. He brings to the team years of tax expertise and planning strategies for high net worth individuals, and has developed a passion for helping young families save for college and navigate their admissions process. Brian is a 2014 graduate of Birmingham-Southern College with a degree in Business Administration, and received a Masters of Accountancy from the University of Alabama in Huntsville.

Tara is an administrative professional with over ten years experience in client relations and marketing. She offers significant expertise in maintaining and enhancing a positive client experience to Oak Tree Financial. Adept in client management, she uses her organization skills and dedication to maintain company and client data systems, records, and supports client needs and requests.

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.