Mooberry Financial Management, LLC

Mooberry Financial Management serves individuals, small businesses, estates and trusts, delivering comprehensive financial planning that covers estate planning, tax planning, insurance review, and related non‑securities advice. The firm provides ongoing investment guidance as part of that planning but places greater emphasis on broader financial planning than on discretionary portfolio management.

Investment recommendations are provided on a non‑discretionary basis and, when implemented, are executed through a broker‑dealer relationship where the owner acts as a registered representative; the brochure notes the firm devotes roughly half of its time to non‑securities planning and only a small portion to securities advice. The firm uses both fundamental and technical analysis, conducts detailed reviews of mutual fund managers, and commonly recommends load mutual funds and variable annuities available through its broker‑dealer.

Notable distinctions disclosed in the brochure include the owner’s independent law practice and tax practice (each consuming about a quarter of her time), a license to sell insurance, and the receipt of commissions and ongoing 12b‑1 fees in her broker‑dealer capacity — arrangements the firm identifies as potential conflicts of interest. The brochure also states MFM does not accept custody or discretionary authority and does not carry professional liability insurance, which differentiates its operating model from many advisory firms.