Broker Check
LPL Account View

Meet Our people Behind The Planning

Our experience acquired over decades in the business constantly reminds us of the fluid and dynamic nature of the journey to financial independence. It is with this philosophy in mind that we are able to use our process to craft individual plans for each of our clients as their lives unfold and their needs evolve.

Ron Moody

Ron Moody, CFP®, CRPC®, CSA*

President - Managing Principal

Brian Moody

Brian Moody, CPA, MAcc

Financial Planner

Coulton Owens

Coulton Owens, AAMS®

Wealth Planner

Maria Guest

Maria Guest

Administrative Office Manager

Our processThe GrowFORMula™

Our In-House Planning Process Built Around Your Life
At Oak Tree Financial Services, we believe financial planning should feel personal, clear, and connected to what matters most; not rushed, confusing, or centered around products and performance reports.

That’s why we developed the GrowFORMula™, our in-house planning process designed to help us understand the full picture of your life before making financial recommendations.

Most people don’t need more financial noise. They need a thoughtful plan that connects their family, goals, work, lifestyle, taxes, investments, and retirement decisions into one coordinated strategy. The GrowFORMula™ helps us do exactly that.
Rather than starting with accounts and numbers, we begin with conversations.

F

Family

Money affects more than just spreadsheets. It affects the people you care about most.

We want to understand:

  • The people who depend on you
  • The future you want for your children or grandchildren
  • Aging parent concerns
  • Legacy wishes
  • Family values and priorities

Financial planning should support the life and relationships that matter most to you.

O

Occupation

Your career or business often drives many of your financial opportunities and challenges.

We explore:

  • Career transitions and retirement timing
  • Business ownership and succession planning
  • Stock options or concentrated positions
  • Income complexity
  • Tax planning opportunities
  • Work-optional lifestyle goals

Whether you’re building wealth, preparing to retire, or planning your next chapter, your work life plays an important role in your financial plan.

R

Recreation

We believe money should support a meaningful life, not just sit in an account.

This part of the process helps us understand:

  • Travel goals
  • Hobbies and passions
  • Charitable interests
  • Lifestyle priorities
  • Time freedom and flexibility
  • What retirement actually looks like to you

Because successful planning isn’t just about accumulating wealth, it’s about helping you enjoy life with confidence and peace of mind.

M

Money

Once we understand your life goals, values, and priorities, we build the financial strategy around them.

This includes:

  • Investment management
  • Retirement income planning
  • Tax-efficient strategies
  • Risk management
  • Estate and legacy planning
  • Social Security planning
  • Cash flow and distribution planning

Our goal is to create a coordinated strategy that helps align your money with the life you want to live.

Why the GrowFORMula™ Matters

Why the GrowFORMula™ Matters

Too often, financial advice focuses only on investments while overlooking the bigger picture. The GrowFORMula™ was created to bring clarity, coordination, and purpose to the planning process.

It reflects how we believe financial advice should work:

  • Relationship-first
  • Calm and thoughtful
  • Tax-aware
  • Long-term focused
  • Centered on real life, not sales pressure

At Oak Tree, we want clients to feel like they have a trusted guide walking alongside them through every stage of life. The GrowFORMula™ is how we begin building that relationship.

What's In a Name

Let's Get Started

Ready to bring organization and clarity to your wealth? Fill out the form below, and a member of our team will reach out to schedule your initial conversation.

Thank you!
Oops!