The team of 6 financial advisors from The Voltage Group presented a portfolio strategy proposal for Dr. Siconolfi. They reviewed Dr. Siconolfi's goals of achieving 6-8% annual portfolio growth to fund his children's education. The team proposed adjusting his current 50% technology/50% bond portfolio to a more diversified 62% equity, 33% bond, 5% cash and commodity allocation. They recommended ETFs including XLK for technology exposure and outlined bond laddering to fund education costs. The proposal included analysis of macroeconomic trends, individual stocks, structured products and planning for retirement, taxes and estate.

1. Portfolio Strategy
Proposal for Dr. Siconolfi
FINANCIAL ADVISORS:
Scott Butler, Julia Carey, Otabek Inagambaev,
Wesley Koe, Nolan Lenaghan & Jacqueline Levy
JULY 26, 2023

2. Nolan Lenaghan
ETFs
Structured Products
Cornell University
Economics Major
Graduating May 2024
Jacqueline Levy
Why You Should
Choose Our Team
University of Miami
Marketing Major
Graduating May 2024
Scott Butler
Macro-Trends
Bond Laddering
Boston College
Economics Major
Graduating May 2024
MEET OUR TEAM
Our goal at The Voltage Group is to be your
most trusted advisor and help you achieve your
financial goals through our expertise, integrity,
and personalized service.
2
Julia Carey
Presentation Guide
University of Georgia
Marketing Major
Graduating May 2025
Otabek Inagambaev
Equity Allocation
Stock Picks
Bentley University
Finance Major
Graduating May 2025
Wesley Koe
About You
Portfolio Reallocation
Boston University
Finance Major
Graduating May 2024

3. Interest in EV & AI technology
Achieving portfolio growth of 6-8% a year
Creating a financial future for your children and
funding their higher education
GOALS AND INTERESTS
3
Portfolio currently comprised of 50% technology
stocks and 50% U.S. Treasuries

4. 1. Review of Financial Goals
2. Investment Portfolio Performance
3. Income and Expense Analysis
4. Risk Management and Insurance Review
5. Retirement Planning
6. Tax Planning
7. Estate Planning
8. Action Plan for the Next Quarter
9. Open Discussion and Q&A
10. Summary and Follow-Up
Our Values Mock Agenda
4
WHY THE VOLTAGE GROUP?
Adaptability
Customized
Solutions
ETFs are a basket of stocks
Diversificatio
n
Investment
Expertise
Proactive
Team

5. Re-globalization
We are transitioning away from a singular to a multipolar world order.
The nature of American consumerism and favorable demographics will contribute to the
future continued growth of the American economy.
After a long, aggressive rate hiking cycle by the Fed to combat persistent inflation, questions
remain about the American economic outlook over the next year.
Inflation
Economic Growth
5
MACRO-TRENDS

6. 50%
50%
Bonds
Equities
• Does not align with a moderately aggressive risk
profile
• Lack of diversification
• Overweight in technology
• Vulnerable to negative macroeconomic effects
Solution: Construct a portfolio that adjusts to
your various stages of life
6
CURRENT PORTFOLIO ALLOCATION
Key Notes

7. • Allocation ratio: 62% / 33% / 5%
• Greater diversification of investment vehicles
• Better exposure to sectors
• Commodities are an inflation hedge
• Cash satisfies liquidity needs
33%
62%
5%
Bonds
Equities
Cash &
Commodities
7
PROPOSED PORTFOLIO ALLOCATION
Key Notes

8. This allocation is based on current and projected market trends
8
STRATEGIC DIVERSIFICATION & ALLOCATION - EQUITIES
Equity Allocation by Sector
30%
IT sector continuing to outperform; growth in AI
Healthcare 15%
Generational healthcare needs
Financials 15%
Confidence regaining with banks; future further activity
Consumer Discretionary 10%
American consumer confidence down but never out
Communicatons 10%
Established companies deeply embedded in lives
Industrials 10%
Current geopolitical tensions call for rise in industrial services
Energy 5%
Demand will eventually grow once the economy picks up
Real Estate 5%
Niche markets providing investment opportunity despite weak activity
Total 100%
Information Technology
30%
15%
15%
10%
10%
10%
5%
5%
Information Technology
Healthcare
Financials
Consumer
Communicatons
Industrials
Energy
Real Estate

9. 9
Benefits
EXCHANGE TRADED FUNDS: TAX BENEFITS
ETFs are a basket of stocks
Diversificatio
n
ETFs have tax benefits
Efficiency
ETFs are a basket of stocks
Diversification
2023 Tax Brackets
Source: TaxedRight - IRS Tax Brackets for 2023, October 24, 2022
• When holding for >1 year: 20% long term capital gains tax
• Selling before 1 year: 35% short term capital gains tax

10. 10
Benefits
EXCHANGE TRADED FUNDS: DIVIDEND BENEFITS
ETFs move intraday like stocks
Liquidity
$
ETFs generate re-investable
dividends
Passive
Income
2023 Tax Brackets
Source: NASDAQ - 30-year returns of Brown-Forman Corporation, December 13, 2019
Reinvesting Dividends
• Compounding effect
• Dividend-paying stocks perform better during market downturns
• Tax advantages
• Qualified dividends taxed at 20% rather than 35%

11. • Apple (23%)
• Microsoft (23%)
• Nvidia (4%)
• Technology is deeply
embedded in our lives
• Covers your interests in
technology
• 14% compound annual
return over the last 20 years
11
Make-Up
XLK: S&P TECH SELECT SECTOR FUND ETF
Rationale

12. 12
ADDITIONAL ETF SECTORS
ETFs are a method for diversifying across sectors with incredible ease. One fund to watch is AIQ (AI Technology).
XLE (Energy)
VFH (Financials)
• Berkshire
Hathaway, JPM,
Visa, etc.
• 2.36% dividend
• 6.25% 5Y AR /
10.4% TAR
• Exxon, Chevron,
Schlumberger, etc.
• 3.84% dividend
• 7.09% 5Y AR /
11.2% TAR
VOO (S&P Index)
VHT (Healthcare)
• UnitedHealth,
Johnson and
Johnson, Eli Lilly
& Co., etc.
• 1.43% dividend
• 9.52% 5Y AR /
13.0% TAR
• Apple, Microsoft,
Amazon, etc.
• 1.48% dividend
• 12.13% 5Y AR /
13.3% TAR
OAM The Market Strategy Radar Screen -
July 17, 2023

13. Nvidia (NVDA)
Tesla (TSLA)
Multinational
Automotive And Clean
Energy Company
Share Price: $291.26
Market Cap: $932.56B
(as of 7/20/23)
Multinational
Technology Company
Share Price: $470.77
Market Cap: $ 1.163T
(as of 7/20/23)
• Growth of EVs in an era where younger generations
are increasingly more concerned about climate change
• Widespread consumer interest
• Initiatives geared toward innovation and affordability
• AI will be a fundamental part of the future and
completely transform the way firms conduct business
• Nvidia’s status as an American company aligns with our
macro-thesis about Taiwan and semiconductors
• Keep your eye on alternative American chip-makers
13
COMPANY OUTLOOKS: TESLA & NVIDIA

14. Period
(quarterly)
Performance of laggard underlying
on obs. date
Coupon payment
1st 5% 2.25%
2nd -10% 2.25%
3rd -21% No coupon
4th -15% 2.25%
5th -30% No coupon
6th 15% (call) 2.25%
7th-10th Called No coupon
Return of laggard underlying Final Notes Value
20% 100%
0% 100%
-10% 100%
-25% 100%
-26% 74% (-26% loss)
-40% 60% (-40% loss)
-50% 50% (-50% loss)
Issuer or guarantor The Toronto-Dominion Bank (TD)
Underlying(s)
The least performing of:
• S&P 500 (SPX)
• NASDAQ 100 (NDX)
• Russell 2000 (RTY)
Maturity 3 years, subject to automatic call
Callability Callable after 6 months, then quarterly, at the issuer’s discretion
Contingent Coupon 9.00 % p.a., paid quarterly, subject to breach of Coupon Barrier
Coupon Barrier 80% of initial levels, observed quarterly
Final Barrier 75% of initial levels, observed at final valuation
Downside
Full participation in the negative performance of the laggard underlying
if the Final Barrier is breached
CUSIP 89115F3Y5
-50%
-40%
-30%
-20%
-10%
0%
10%
20%
30%
40%
50%
-50% -40% -30% -20% -10% 0% 10% 20% 30% 40% 50%
Underlying Return
Underlying Enhanced Yield Note
Indicative Terms
Illustrative Valuation at Maturity
Illustrative Coupon Payments
Enhanced Yield Note Return
14
STRUCTURED PRODUCTS
Source: Oppenheimer Structured Products Desk July Offering – July 2023

15. 15
BOND LADDER
• Both Jessica & Michael’s bonds mature at the start of each school year (e.g. Bond 1 matures in 2024)
• Jessica’s treasury bonds mature in 2024, 2025, 2026, and 2027
• Michael’s municipal bonds mature in 2029, 2030, 2031, and 2032
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031 2031-2032 2032-2033
Bond 1
Bond 2
Bond 3
Bond 4
Bond 1
Bond 2
Bond 3
Bond 4
Jessica
Michael
SCHOOL YEAR

16. 16
BOND LADDER
Jessica’s
Treasury Bond
Selections
(2024 – 2027)
Michael’s
Municipal Bond
Selections
(2029 – 2032)

17. 76,151
79,959
83,957
88,155
97,190
102,050
107,152
112,510
-
20,000
40,000
60,000
80,000
100,000
120,000
140,000
2000 2005 2010 2015 2020 2025 2030 2035
Total
Yearly
Cost
University of Virginia Total Cost YoY Projection
Michael
$418,902 Total
Jessica
$328,222 Total
17
BOND LADDER

18. QUESTIONS?

19. Thank You
FINANCIAL ADVISORS:
Scott Butler, Julia Carey, Otto Inagambaev,
Wesley Koe, Nolan Lenaghan & Jacqueline Levy
JULY 26, 2023

20. 20
BIBLIOGRAPHY
• Capital Appreciation: Meaning, Types and Examples (investopedia.com)
• Best Tech ETFs So Far This Year (investopedia.com)
• Tuition cheat sheet (rates back to FY69 for website).pdf (virginia.edu)
• Oppenheimer Structured Products July Offerings
• Bloomberg Terminal
• TaxedRight – IRS Tax Brackets for 2023, October 24, 2022
• NASDAQ – 30-year returns of Brown-Forman Corporation, December 13, 2019
• Bloomberg, OAM Research (The Market Strategy Radar Screen, July 17, 2023)
• Tesla, Inc. (TSLA) Stock Price, News, Quote & History - Yahoo Finance
• NVIDIA Corporation (NVDA) Stock Price, News, Quote & History - Yahoo Finance
• Oppenheimer Structured Products Desk July Offering – July 2023
• Oppenheimer TFI - Bond Desk