Errold F Moody, PhD MBA MSFP LLB BSCE

Specialties & Experience of this Expert Witness

Additional Information

AND NOW FOR SOMETHING COMPLETELY DIFFERENT ​PhD- Real Estate; MBA- Business; MSFP- Financial Planning; LLB- Law; BSCE- Civil engineering. No Nonsense Finance- 2003. reprinted 2009; Financial Planning Fiduciary Standards under Dodd Frank, 2011; The Failure of Securities Arbitration, 2012; Investments/Securities Risk of Loss, 2023, online at EMoody.com. 52 years in the trenches as Financial Planner, Held 7, 24, 27, 63, 65 licenses, CFP, RIA, Real Estate Broker; B-1 General Contractor, California Life and Disability Insurance Analyst (i of 35); Have acted as arbitrator, expert witness. Current focus as Consultant. Taught CFP/Financial Planning courses for University of California, Irvine and Berkeley, University of San Francisco, et al; Real Estate Capstone course for UCI, Taught series 4, 6, 24, 27, 63, 65, etc. for Private schools. Continuing insurance education courses- Medicare, Social Security, Long Term Care, Estate planning, Contracts, etc. Had CLE courses- Planning and Insurance, accepted by California Bar, Risk of Loss course accepted for CLE by Florida Bar 2023. Risk of Loss: "The first and only independent real life research/analysis of the Ineptness/Lack of Knowledge of the Financial Planning Advisors/Firms as well as State and Federal regulators to the American workers: Biased Questionnaires and Software, Outdated Theories and Rules of Thumbs (4% ‘rule’, Monte Carlo, Correlation, Standard Deviation, Diversification, Rebalancing, Stocks for the Long Run, etc.), Human Behavior, AI, 60/40, Target Date Funds, Arbitration, Economics et al and a myriad of statistics analyzed pro and con. Relief is offered by the necessity in applying National and Worldwide Economics coupled with definitive input from various experts (Buffett, Lynch, Edesess, Kahneman, Munger, Bernstein, Mandelbrot, Taleb as well as SSRN, FEN, FED , research and articles etc.). Possible to keep losses to around 12%- 15% (S&P 500). This is NOT a superficial diatribe but a mandatory and extensive submission to the dismal and ineffective competency supported by ‘Fiduciaries’ who are giving short shrift- via 401k presentations- that is error prone in providing a real life retirement ability to the most impacted of the middle and lower income workers.. Go to EFMoody.com, click Risk of Loss. Currently 300+ pages. This is an online book, no charge. Next update on 3/2024. https://www.bing.com/videos/search?q=big+band+howdown&qs=n&sp=-1&pq=big+band+howdown&sc=0-16&sk=&cvid=BF3D3F19F8D549799E172005E0DF8F9C&sid=07D006159C8E625B35AC164C9DA26345&jsoncbid=0&ru=%2fsearch%3fq%3dbig%2520band%2520howdown%26qs%3dn%26form%3dQBRE%26sp%3d-1%26pq%3dbig%2520band%2520howdown%26sc%3d0-16%26sk%3d%26cvid%3dBF3D3F19F8D549799E172005E0DF8F9C%26sid%3d07D006159C8E625B35AC164C9DA26345%26format%3dsnrjson%26jsoncbid%3d0&view=detail&mmscn=vwrc&mid=90680A748C9E42BCC27990680A748C9E42BCC279&FORM=WRVORC Additional reference: 4,150,000 independent, non solicited reviews of selected areas in investing (2,000,000) and real estate (2,150,000) since 2020. Another 20,000 per month in blog, Moody's Review. Financial Planning Fiduciary Standards under Dodd Frank was independently selected for non fiction presentation at the Frankfurt, Germany Book Fair in October.2023. ​ ​