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What We Do at Capital Associates
- 1. Design. Build. Protect CapitalAssociates Wealth Management WORKING TOGETHER
- 2. WHAT WE DO OURGOAL IS TO HELP YOU Design Understand and clarify your life and financial goals — then create a tailored financial plan designed to help make your goals possible. Build Use academic research and science to build an investment portfolio that aims to give you the highest probability of achieving your goals with the least amount of risk. Protect Provide discipline, perspective and guidance to help you stay focused on the long germ and on track towards achieving what is most important to you. Together We Can Make Your Someday Possible As an investor, you face many important questions and decisions about your future, be we believe that there are really only three that matter. And we help solve them every day. Doyouhavetheplanthat'srightforyou? We are committed to understanding what matters most to you personally and financially—as well as working with other financial professionals—in order to put together the best possible long-term plan. 1 Doyouhaveconfidenceyourportfoliowillgetyouthere? The portfolios we build are designed with the aim of giving our clients the highest probability of achieving their goals with a suitable amount of risk. 2 Howdoyoustayontrack? No one knows what the future will bring, but a good plan should help you stay invested in a variety of market environments. And it should be flexible enough to reflect changes in your life. We closely monitor your plan, update you regularity on your progress and make any changes necessary to keep pace with where you are in life. 3
- 3. OUR GOAL ISTO HELP YOU Design a Plan to Meet Your Goals Our comprehensive advisory process allows us to uncover what is most important— your values, needs, concerns and hopes in order to put together the best possible long-term plan. Clarify Vision & Future Plan for the Future Ease Life’s Transitions Live My Values Balance Work & Life Meet Needs Enhance Lifestyle Manage Health Create Financial Comfort Simplify Finances Reduce Taxes Protect Assets Help & Protect Family Help Children Assist Parents Fund Education Build a Legacy Execute Intentions Help Beneficiaries Give to Charities
- 4. DESIGN. BUILD. PROTECT INVESTM ENTBEHAVIOR RATE O F RETU RN TAX RELIEF PORTFOLIO RISK INCOME IN RETIREMENT INCOME IN RETIREMENT INVESTMENT BEHAVIOR PORTFOLIORISK TAX RELIEF RATEOFRETURN You
- 5. Value Proposition =Financial Freedom Helping our clients feel more confident in their future though the clarity, insight and partnership we provide them across their financial life. 10StepstoSuccess Our most successful clients view this as a hindrance and not a hobby. Design Investment Strategy to Meet your Life Goals Build Construction of the Portfolio using Evidence Based Investing Supported by 11 Nobel Laureates with 90 Years of Academics Behind our Strategies Monitor the Portfolio to Execute Rebalance Wrap this Entire Effort into the Financial planning Process 7 8 9 10 Manage Your Behaivor Create Risk Reserve Strategy Review Distribution Sequence Strategies to Minimize Taxes when Pulling Out the Money Discuss RMD (Required Minimum Distributions) Coordinate Estate and Survivor Income Tax Planning Perform Insurance Review 1 2 3 4 5 6
- 6. RobertC.Merton* OUR GOAL ISTO HELP YOU Build Your Portfolio Using Science & Academic Research We recognize that individuals today have increased expectations for prudent risk management and sophisticated asset allocation. Because you can’t control the market, you need an approach that you can not only believe in but also understand. We use a disciplined, unemotional, and highly diversified investment strategy call “Asset Class Investing”. Adam Smith Friedrich Hayek* Milton Friedman* Paul Samuelson* Merton Miller* Harry Markowitz* Bill Sharpe* Daniel Kahneman* Gene Fama* Myron Scholes* RobertC.Merton* Meir Statman Ken French Franco Modigliani* * Nobel Laureate Recipient
- 7. OUR GOAL ISTO HELP YOU How Much is An Advisor Worth Average Investors Under-perform-Major Indices — Annualized Returns from 1998 to 2018 Vanguard says advisors can increase your returns by three percentage points. Return of the Average Stock Fund Investor Return of the Average Bond Fund Investor 3.88% 4.55% Barclays Bond Index 5.62% S&P 500 Return Lost Due to Poor Investor Behavior 10% 8% 6% 4% 2% 0% AverageAnnualReturn .22% Cost Effective Expense Ratios .34% Stay Fully Invested - Behavior Coaching 1.5% Design the Proper Diversified Portfolio 0-.75% Systematic Rebalancing .26% Spending Strategy (Withdrawal Order) 0-1.10% Range of Potential Value About 3% in Net Return Protect Your Plan byWorkingTogether To help do this, we take great care in assembling a team of financial professionals—including any of your current financial professionals—who will work in concert to make sure all your needs are being addressed. Your team may include: • Certified Public Accountant • Estate Planning Attorney • Insurance Professionals • Investment Partners Having your own team of experts working closely together helps maximize the effectiveness of your plan and makes sure it stays in sync, with every item properly addressed.
- 8. Capital Associates 6901 RockledgeDrive, Suite 500 Bethesda, Maryland 20817 (301) 581.4108 info@capitalassoc.net Rob Ugiansky robert@capitalassoc.net (800) 601. 5281 Mitchell Katz mkatz@capitalassoc.net (800) 601. 5281 Capital Associates Wealth Management Mitch Katz and Rob Ugiansky are Registered Representatives and offer securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency 6901 Rockledge Dr, Suite 500, Bethesda, MD 20817, (301) 581-4108. In addition, they are also separately registered as an investment adviser representatives with Eagle Strategies LLC, A Registered Investment Adviser. Capital Associates, LLC is not owned or operated by Eagle Strategies LLC, or its affiliates. http://www.capitalassoc.net