Financial Planning Services

I assume you have read a good portion of the site and my resume. At least read Who Can You Trust - preferably in the book, No Nonsense Finance. I'd also suggest How to Find a Financial Planner. You have to do a LOT of homework before you engage anyone- myself included. Do not simply trust someone because you like or are familiar with them- even if they have written a book. Not good enough. That said, I will put my background up against anyone in the United States.

But I do not "work" like other planners. First and foremost, I do not take discretionary accounts with your money (you give me the right to trade and invest as I see fit). I provide information and work with you to define the risk, reward, and more- specifically addressing economics. Your money must be important to YOU and you must be willing to work to understand what is being done and why. I also do not deal with individual securities, save to review what currently exists. There are numerous no load mutual funds that can cover almost all conditions. Once again, I point to the economics as the key to success. If you prefer an allocation designed by computer and an adviser that will take over the total responsibility for any activity, I am not your  planner.

Secondly, I generally only do comprehensive planning- though it varies in the coverage due to age, wealth, health, beneficiaries. And most better figure on doing a budget. If you are unwilling to figure out where your money goes, there is probably not much I can do to help you. (You cannot believe how many potential clients refuse to do this or realize the important implications. So be it. )

Planning Fees- $2,500 minimum. Generally not more than $4,000.

Ongoing services- $4,000 annual minimum paid quarterly in arrears. Percentage of assets is not necessarily relevant since the work encompasses all areas of life- real estate, social security, health care, law suits, arbitration, insurance and most other areas of life. That said, my fees are generally one third less that other planners- sometimes one half. At this stage of my life,  I only work with people I like and respect. And vice versa.

Location generally not an issue. I have clients outside of California in Florida, South Carolina, Texas, Kentucky, Tennessee, etc.

Email at efm@efmoody.com

Call at 510 352-4127

510 459-7797 (Cell)