Efficient Minds™ provides financial consulting services for individuals and institutions. We currently manage roughly a quarter of a million dollars in assets. Let Efficient Minds ensure your finances are allocated efficiently according to your risk preferences and time horizons.

Investment Philosophy

The Bible

Proverbs 13:11 Dishonest money dwindles away, but he who gathers money little by little makes it grow.

1 Timothy 6:9-10 But those who desire to be rich fall into temptation and a snare, and into many foolish and harmful lusts which drown men in destruction and perdition.

Tao Te Ching

33 He who knows when he has got enough is rich.

46 There is no evil like covetousness. Only he who knows what is enough will always have enough.

64  In handling affairs, people often spoil them just at the point of success. With heedfulness at the beginning and patience at the end, nothing will be spoiled.

Dhammapada

Chapter 11
Those who have neither lived the chaste life
Nor gained wealth in their youth
Waste away like frail herons
In a lake devoid of fish.

Speaker at the 2016 Financial Asset Management Education conference in San Francisco

Be patient and move slowly to avoid mistakes.

The Wealthy Barber by David Chilton

Paying rent is no more throwing your money away than buying food or clothing is.You need shelter. It’s one of the three basic necessities of life. Renting is one way to acquire that shelter and, in some cases, it’s a very intelligent way.

I just want to inform our young friends here, especially the single ones, that renting is not throwing your money away.

David J. Moore combines money management principles from numerous sources including, but not limited to, the Bible, the Tao Te Ching, modern financial management tools, and people smarter and wealthier (spiritually and monetarily) than himself to solve today’s financial problems.