Errold Moody, PhD, MSFP, LLB, MBA, BSCE, CFP, is a financial planner, instructor, expert witness on securities and financial planning matters; author of No Nonsense Finance (McGraw Hill); Elder Investments- A Critique of Professional and Consumer Mediocrity (Marquette University Law School); Practical Investment Theory and Application- The only course on investments ever approved for continuing education by the California State Bar; Practical Life Insurance and Annuities Analysis and Application- The only course on life insurance and annuities ever approved for continuing education by the California State Bar. He maintains the largest financial planning website (over 5,000 pages and 1,700 links) designed for consumer knowledge and protection- www.efmoody.com. Accolades for his work includes Business Week, Forbes, USA Today. He has been quoted by the NY Times, WSJ, radio and TV, and most national newspapers.