Overview: The bulk of my adult life was (and still is) an education to investing coupled with the real life research of the market that could be offered to the average middle and lower income investor in a conversational manner that would offer far better results than what the industry provides. And with more comprehension. That said, I have provided/offered far more detailed courses for brokers/agents/attorneys/CPAs but even here the more straight forward real life education was generally usurped by the industry which uses some of the most technical jargon and misused theories and old homilies that has devastated the low and middle class. May sound good but it generally is sterile and puerile (or more colloquially, it sucks).
If you need a speaker that can offer more real life insight to the real world of investing, personal insurance (life, disability, long term care), budgeting, retirement, etc., look no further. Heavy emphasis on risk. To be fair however- a one hour presentation will not provide much to participants other than just to be 'wary' of false prophets. 1.5 hours is probably the shortest timeframe to hit some reasonable high points. Half day programs available. Full days not exceeding 6 hours.
For an insight to what I review daily, go to my Daily Commentary (EFMoody.com/gripes.html). This is NOT designed for the novice. It's Master's level exposure of financial and economic issues that puts me into a much different arena than any other speaker.
(And yes, that is a real fish.)
CURRENT ACTIVITY- Instruction, videos on wide range of subjects for consumers- stocks, bonds, life insurance, long term care, real estate, diversification, life settlements, reverse mortgages, etc. with a major focus to Risk of Loss. See videos herein
Developed a four part patent pending 'Process' Investor/Investing Risk of Loss: Identify, Manage and Limit Investment Risk of Loss on Mutual Funds and ETFs. Establish baseline risk of loss; determine numerical potential loss of selective funds and allocations due to recessions; provide formula and methodology to reduce loss; manage portfolio risk after economic tumult using independent government statement. Can keep recessionary losses to 12% to 15%. This was primarily developed for the average and lower income workers who cannot stomach another loss like 2000- 49% loss; 2008- 57% loss. These Americans demand more from the planning/investing community- but are generally left in the cold since they do not have the monies to pay advisors- who universally look to the rich as their sole clientele.
The everyday workers (millions upon millions in 401k plans) have been shortchanged by an industry that floats some of the worst advice couched in clichés, old theories, minimum knowledge et al that gets mixmastered into a plate of investing Pablum that financially devastates them when times get tough. And it is going to happen again with this next recessionary mess that is soon to follow.
Maybe the rich can afford a 50% equities loss- but they would not be that bright in doing so. The middle income worker CANNOT take that hit. It CAN be avoided almost in total. And since I do not work for the industry, attendees will hear a straight up approach that can help right now and even more so when a recession 'comes-a-callin'.
SUMMARY OF QUALIFICATIONS
Over 45+ years of hands-on experience as a financial consultant/planner/instructor/author.... Expertise has covered investment analysis and monitoring, estate and pension planning, living trusts, charitable gifting, sales and management (stocks, bonds, partnerships, insurance, REIT's and mutual funds), retirement planning, life and disability insurance review , securities arbitrations, taxation and national and international economic analysis. Provide expert testimony on brokerage and financial issues. Have written and taught extensively in the field.
Financial Planning Fiduciary Standards under Dodd Frank 2012
The Failure of Securities Arbitration 2012
No Nonsense Finance 2003 1st edition; 2nd edition 2009
Professor/instructor for University of California at Berkeley and Irvine, University of San Francisco, Orange Coast, Santa Ana, Coastline and Scottsdale Community Colleges. Includes MBA course in Real Estate Finance, courses for the UC certificate programs "Professional Designation in Financial Planning" and "Professional Designation in Investment Real Estate" and specialized seminars.
LICENSES AND DESIGNATIONS
PhD (Real Estate)
MSFP Masters of Science in Financial Planning (Estate Planning major)
LLB Bachelor of Law
MBA Masters in Business
Bachelor of Science in Civil Engineering
Series 65 Securities License (Multi State Adviser)
Life and Disability Insurance Analyst California (One of 30)
Registered Investment Adviser
California Real Estate Broker
California B-1 General Contractor
Series 7, 24, 27 and 63 Securities Licenses
ARTICLES and PUBLICATIONS
Authored courses accepted for securities continuing education in financial planning, estate planning, taxation and tax planning, investments and suitability, ethics, retirement planning and insurance and annuities.
Authored video course Fiduciary Standards under Dodd Frank: Investments
Authored video course Fiduciary Standards under Dodd Frank: Life Insurance and Annuities
Both accepted for Continuing Legal Education by the California State Bar
Authored course accepted for 4 hours of continuing education by the State Bar of California
"Practical Investment Theory and Application"
Authored two courses accepted for 4 and 16 hours of continuing education for Certified Public Accountants by the California Board of Accountancy. Previous course accepted for CPA credit in 10 states.
"Advanced Business Continuation and Estate Planning"
"Advanced Financial Planning and Investing"
Authored two real estate courses granting 9 and 21 hours of continuing education by the California Department of Real Estate. Material was used in courses at several colleges including UC Irvine as part of Certificate program.
"Current Concepts of Real Estate and Investing"
"Major Concepts of Real Estate and Investing"
Authored additional courses in Long Term Health Care, College Funding, Business Continuation, Investments, Trustee Selection and Charitable Gifting.
Authored "Arbitrators Guide to Securities" for the Center for Investor Protection
Above material was compiled and offered as text for UC Certificate course in Survey in Financial Planning.
I would never belong to a group that would have me as a member