Introducing A New Standard Of Service Investment Presentation.pdf · Introducing A New Standard Of...
Transcript of Introducing A New Standard Of Service Investment Presentation.pdf · Introducing A New Standard Of...
Introducing A New Standard Of Service
GCD Advisors seeks to provide the highest
quality wealth management, personalized tax and
comprehensive financial services to individuals
and small businesses.
I N D E P E N D E N T S I N C E 1 9 6 5 .
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PILLAR 1
WEALTH MANAGEMENT
EXCELLENCE
Uniquely designed cash flow modeling
resulting in a complete understanding of
needs and legacy concerns with access to
custom planning tools and premier asset
management sources.
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PILLAR 2
TAX
PROFICIENCY
CPAs with comprehensive experience
addressing taxes throughout all phases of
life and planning.
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PILLAR 3
RELATIONSHIP
FOCUSED
Dedicated and eager to understand
family dynamics and lifestyle events to
keep planning relevant at inception and
along the way.
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PILLAR 4
CONCIERGE
RESPONSIVENESS
Expedient turnaround providing
professional, simplified and actionable
responses to your ever evolving needs.
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WEALTH
MANAGEMENT
EXCELLENCE
Uniquely designed cash flow modeling and access
to premier asset management sources
• Assess and define your goals• Preparation of our unique
Financial Life Planner (FLP)• Risk focused investment
portfolios• Insurance scenarios
considered
TAX
PROFICIENCY
As both CPAs and Personal Financial
SpecialistsSM we are uniquely qualified
• Streamlined process• Latest technology to reduce
time • Tax impact and efficiency
focused
RELATIONSHIP
FOCUSED
Deep understanding of your needs and family dynamics
• You and your family are our priority
• Focused on results that positively impact your life
CONCIERGE
RESPONSIVENESS
Service designed to deliver confidence and be
respectful of schedules
• Unparalleled responsiveness• Thoughtful consideration
and recommendations• Focused on your needs
GCD 4 Pillars - Guiding Our Engagements
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Our Unique
Approach
Providing service, insight and
advice to support your goals.
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The Fiduciary Standard
• GCD Advisors is a Registered Investment Advisor (RIA) with a fiduciary duty to our clients.
• Our values, as well as a legal obligation, require us to always act in your best interest.
• Brokers and hybrid RIAs are not obligated to act in your best interest and focus on selling investment products for commissions.
• As a fiduciary, there are no conflicts about where your money is held – all investments are custodied with highly rated national firms.
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Discovery – Define, Prioritize, Understand
Understanding your personalized risk tolerance is our primary concern when creating investment portfolios for our clients.
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The GCD Financial Life Planner™
Originally authored in 1996 by the partners at GCD, this uniquely designed model has helped clients to truly understand their annual cash flows and projected year end total asset values. The key differences in this model vs. others provided by wirehouses and insurance companies are:
• Ease of readership• Depth of information• Annual monitoring• Unbiased observation• Flexibility to deal with current tax and economic issues• No assumptions are used other than what is provided by the
client• Ability for clients to take proper actions from the results
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Applied Tax Expertise
• Practicing CPAs since 1985
• Members of the American Institute of CPAs and the Illinois CPA Society
• Consideration of tax implications across client’s entire financial picture
• Expert representation with the Internal Revenue Service and state taxing authorities
• Individuals, families, trusts and small business experts
• Streamlined, efficient process ensures timely preparation and filing
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The importance of
a Trusted Advisor
Navigating the complexities
and historical foundations
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Historical Research Highlights The Importance Of Asset Allocation
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Volatility Can Affect Your Results
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Annual Return and Intra-Year Declines
Source: FactSet, Standard & Poor’s, J.P. Morgan Asset Management. Returns are based on price index only and do not include dividends. Intra-year drops refers to the largest market drops from a peak to a trough during the year. For
illustrative purposes only. Returns shown are calendar year returns from 1980 to 2017, over which time period the average annual return was 8.8%. Guide to the Markets – U.S. Data are as of December 31, 2017.16
Annual Returns for Key Indices Ranked in Order of Performance (1998-2017)
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1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
S&P 500 MSCI Russell Russell Bloomberg MSCI MSCI MSCI MSCI MSCI Bloomberg MSCI Russell Bloomberg MSCI Russell S&P 500 S&P 500 Russell MSCI
Growth Emerging 2000 Value 2000 Value Barclays Emerging Emerging Emerging Emerging Emerging Barclays Emerging 2000 Barclays Emerging 2000 Growth Growth 2000 Value Emerging
Markets Agg Markets Markets Markets Markets Markets Agg Markets Growth Agg Markets Growth Markets
42.16% 66.84% 22.83% 14.02% 10.26% 55.82% 25.55% 34.00% 32.17% 39.38% 5.24% 78.51% 29.09% 7.84% 18.23% 43.30% 14.89% 5.52% 31.74% 37.28%
S&P 500
28.58%
Russell
2000
Growth
43.09%
Bloomberg
Barclays
Agg
11.63%
Bloomberg
Barclays
Agg
8.43%
Bloomberg
Barclays
High Yield
-1.37%
Russell
2000
Growth
48.54%
Russell
2000 Value
22.25%
MSCIWorld ex
USA
14.47%
MSCIWorld ex
USA
25.71%
MSCIWorld ex
USA
12.44%
Bloomberg
Barclays
High Yield
-26.16%
Bloomberg
Barclays
High Yield
58.21%
Russell
2000
26.85%
Bloomberg
Barclays
High Yield
4.98%
Russell
2000 Value
18.05%
Russell
2000
38.82%
S&P 500
13.69%
S&P 500
1.38%
Russell
2000
21.31%
S&P 500
Growth
27.44%
MSCI S&P 500 S&P 500 Bloomberg MSCI Russell MSCI S&P 500 Russell S&P 500 Russell Russell Russell S&P 500 S&P 500 Russell S&P 500 Bloomberg S&P 500 MSCI
World ex Growth Value Barclays Emerging 2000 World ex Value 2000 Value Growth 2000 Value 2000 2000 Value Growth Value 2000 Value Value Barclays Value World ex
USA High Yield Markets USA Growth Agg USA
18.77% 28.24% 6.08% 5.28% -6.16% 47.25% 20.38% 5.82% 23.48% 9.13% -28.92% 34.47% 24.50% 4.65% 17.68% 34.52% 12.36% 0.55% 17.40% 24.21%
S&P 500
Value
14.68%
MSCI
World ex
USA
27.92%
Russell
2000
-3.02%
Russell
2000
2.49%
Russell
2000 Value
-11.43%
Russell
2000 Value
46.03%
Russell
2000
18.33%
S&P 500
4.91%
S&P 500
Value
20.81%
Russell
2000
Growth
7.05%
Russell
2000
-33.79%
MSCI
World ex
USA
33.67%
MSCI
Emerging
Markets
18.88%
S&P 500
2.11%
MSCI
World ex
USA
16.41%
S&P 500
Growth
32.75%
Bloomberg
Barclays
Agg
5.97%
Russell
2000
Growth
-1.38%
Bloomberg
Barclays
High Yield
17.13%
Russell
2000
Growth
22.17%
Bloomberg
Barclays
Agg
8.67%
Russell
2000
21.26%
Bloomberg
Barclays
High Yield
-5.86%
MSCIEmerging
Markets
-2.61%
MSCIWorld ex
USA
-15.80%
MSCIWorld ex
USA
39.42%
S&P 500
Value
15.71%
Russell
2000 Value
4.71%
Russell
2000
18.37%
Bloomberg
Barclays
Agg
6.97%
S&P 500
Growth
-34.92%
S&P 500
Growth
31.57%
Bloomberg
Barclays
High Yield
15.12%
S&P 500
Value
-0.48%
Russell
2000
16.35%
S&P 500
32.39%
Russell
2000
Growth
5.60%
MSCIWorld ex
USA
-3.04%
S&P 500
11.96%
S&P 500
21.83%
Bloomberg
Barclays
High Yield
1.87%
S&P 500
21.04%
S&P 500
-9.11%
Russell
2000
Growth
-9.23%
Russell
2000
-20.48%
S&P 500
Value
31.79%
Russell
2000
Growth
14.31%
Russell
2000
4.55%
S&P 500
15.79%
S&P 500
5.49%
S&P 500
-37.00%
Russell
2000
27.17%
S&P 500
Value
15.10%
Russell
2000
Growth
-2.91%
S&P 500
16.00%
S&P 500
Value
31.99%
Russell
2000
4.89%
S&P 500
Value
-3.13%
Russell
2000
Growth
11.32%
S&P 500
Value
15.36%
Russell
2000
Growth
1.23%
S&P 500
Value
12.73%
MSCIWorld ex
USA
-13.37%
S&P 500
Value
-11.71%
S&P 500
Value
-20.85%
Bloomberg
Barclays
High Yield
28.97%
Bloomberg
Barclays
High Yield
11.13%
Russell
2000
Growth
4.15%
Russell
2000
Growth
13.35%
S&P 500
Value
1.99%
Russell
2000
Growth
-38.54%
S&P 500
26.47%
S&P 500
15.06%
Russell
2000
-4.18%
Bloomberg
Barclays
High Yield
15.81%
MSCIWorld ex
USA
21.02%
Russell
2000 Value
4.22%
Russell
2000
-4.41%
MSCIEmerging
Markets
11.19%
Russell
2000
14.65%
Russell
2000
-2.55%
Bloomberg
Barclays
High Yield
2.39%
S&P 500
Growth
-22.08%
S&P 500
-11.89%
S&P 500
-22.10%
S&P 500
28.68%
S&P 500
10.88%
S&P 500
Growth
4.00%
Bloomberg
Barclays
High Yield
11.85%
Bloomberg
Barclays
High Yield
1.87%
S&P 500
Value
-39.22%
S&P 500
Value
21.17%
S&P 500
Growth
15.05%
Russell
2000 Value
-5.50%
S&P 500
Growth
14.61%
Bloomberg
Barclays
High Yield
7.44%
Bloomberg
Barclays
High Yield
2.45%
Bloomberg
Barclays
High Yield
-4.47%
S&P 500
Growth
6.89%
Russell
2000 Value
7.84%
Russell Bloomberg Russell S&P 500 S&P 500 S&P 500 S&P 500 Bloomberg S&P 500 Russell MSCI Russell MSCI MSCI Russell Bloomberg MSCI Russell MSCI Bloomberg
2000 Value Barclays 2000 Growth Growth Growth Growth Barclays Growth 2000 World ex 2000 Value World ex World ex 2000 Barclays Emerging 2000 Value World ex Barclays
Agg Growth High Yield USA USA USA Growth Agg Markets USA High Yield
-6.45% -0.83% -22.43% -12.73% -23.59% 25.66% 6.13% 2.74% 11.01% -1.57% -43.56% 20.58% 8.95% -12.21% 14.59% -2.02% -2.19% -7.47% 2.75% 7.50%
MSCI Russell MSCI MSCI Russell Bloomberg Bloomberg Bloomberg Bloomberg Russell MSCI Bloomberg Bloomberg MSCI Bloomberg MSCI MSCI MSCI Bloomberg Bloomberg
Emerging 2000 Value Emerging World ex 2000 Barclays Barclays Barclays Barclays 2000 Value Emerging Barclays Barclays Emerging Barclays Emerging World ex Emerging Barclays Barclays
Markets Markets USA Growth Agg Agg Agg Agg Markets Agg Agg Markets Agg Markets USA Markets Agg Agg
-25.34% -1.49% -30.71% -21.40% -30.26% 4.10% 4.34% 2.43% 4.33% -9.78% -53.33% 5.93% 6.54% -18.42% 4.21% -2.60% -4.32% -14.92% 2.65% 3.54%
This Callan Periodic Table of Investment Returns conveys the strong case for diversification across asset classes (stocks vs. bonds), investment styles (growth vs. value),capitalizations (large vs. small) and equity markets (US vs. non-US). The table highlights the uncertainty inherent in all capital markets. Rankings change every year. Also noteworthyis the difference between absolute and relative performance, as returns for the top-performing asset class span a wide range over the past 20 years.
What are the effects of non-core diversification?
Source: Zephyr StyleADVISOR. See last page of this document for definitions. It is not possible to invest directly in an index.
Past performance is no guarantee of future returns. For financial advisor use with advisory clients. This presentation is not complete without all pages.
0
20
40
60
80
100
No Alts 10% Alts 20% Alts 30% Alts 40% Alts
Managed Futures
Equities
Fixed Income
Shift from equities into managed futures
Fixed income remainssame
January 2000 – April 2016
Small allocation changes, including “alternative” investments, could have a big impact on your portfolio.
EQUITIES FIXED INCOMEMANAGED
FUTURES
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Returns From Diversification Typically Differ From Equities
Charts & tables are provided for illustrative purposes only. Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal, and there can be no
assurance that any investment strategy will be successful. One cannot invest directly in an index. Source: Zephyr Style Advisor. US Equities represented by S&P 500, Managed Futures represented
by SG Trend.
This is why alternatives can be especially powerful during deep declines.
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-60
-40
-20
0
20
40
6012 m
onth
retu
rn (
%)
US Equities Managed Futures
12 Month Rolling PeriodsPerformance Period: December 2000 – December 2017
Understanding Your Risk Profile
SEE LAST PAGE OF THIS DOCUMENT FOR DISCLOSURE DETAILS.
GCD works with you to consider which risk profile is right for you as well as the appropriate benchmark for yourportfolio. This benchmark will be a mix of broad market indexes selected to match your comfort-level with bothchoppy returns and maximum loss.
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• Investments made by boutique and institutional solution providers* with performance that has the potential to be consistent, repeatable, and sustainable
*See Slide 23 of this presentation for a list of all Investment Solution Providers on the AssetMark platform
GCD Disciplined Investment Process
• Multi-decade industry leading asset management provider
• Portfolio construction and customization
• Highly curated platform with rigorous strategist due diligence
• Manager review and periodic manager visits
• Robust analytics to assist in optimizing portfolios
• Rebalance and maintain the asset allocation as needed
• Assess your goals to select specific allocations and a model portfolio
• Develop an integrated, personalized investment program based on your financial goals
• Monitor your objectives to keep your portfolio on track
• Consider taxes when appropriate
• Portfolios designs to help you achieve your financial goals
• Multiple investment approaches for improved diversification
• Consolidated accounts for streamlined reporting and advantageous fee structures
• Tax efficiency taken into consideration
• 24/7 online account access
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GCD partners with AssetMark
to provide individualized
investment solutions.
In our complex modern age, no one firm alone can provide truly
comprehensive financial services to you.
GCD has assembled a team of professionals and businesses across
the multiple disciplines of our industry in order to give you the most
up-to-date and in-depth service and advice.
A cornerstone partner is AssetMark, which provides an innovative
technology and investment platform that allows us to better focus
on aligning your future with your vision.
• US BASED FIRM ESTABLISHED IN 1996
• $40B+ ASSETS UNDER MANAGEMENT
• FOCUSED ON THE LIVES OF OUR CLIENTS
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Tailored Selection - Portfolio Construction & Strategists
Investing involves risk including the potential loss of principal. There is no guarantee that a diversified portfolio will out perform a non - diversified portfolio in any given market environment. No investment strategy , such as asset allocation, can guarantee a profit or protect against loss in periods of declining values. Commodities and futures trading is
speculative and volatile and involves a high degree of risk . Trading in commodities and futures is not appropriate for all persons, as the risk of loss is substantial. Therefore, except for those considered to be bona fide hedgers, only risk capital should be used in futures trading. Mutual funds invest in a variety of investments, including equities, fixed income,
securities, real estate securities, commodities and managed futures. There are general risks associated with these investments. These include but are not limited to security selection risk, asset class risk and risk inherent in various investment strategies that each mutual fund may employ. DoubleLine is a registered trademark of DoubleLine Capital LP. All
rights in the Model Portfolios are owned by and vest in AlphaSimplex Group, LLC (“ AlphaSimplex ”). “ AlphaSimplex ” and “ AlphaSimplex Group, LLC” are service marks of AlphaSimplex and are used with permission. AssetMark, Inc. is an investment adviser registered with the Securities and Exchange Commission . Aris and Savos Investments are
divisions of AssetMark. © 2016 AssetMark, Inc. All rights reserved.23
Monitoring & Management - Quarterly Account Statement
Comprehensive reporting and monitoring available for you 24/7and reviewed on a regular basis.
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Our Firm
Comprehensive services
and a team committed to
excellence.
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GCD provides comprehensive and extensive services to address your wealth management needs.
Comprehensive Services
Wealth Management Tax Services Business Services
Financial Planning
Investment Management
Estate Planning Coordination & Review
Insurance Review & Interpretation
Annuity Analysis & Integration
Stock Option & RSU Planning
Income Distribution Strategies
Charitable Planning
Tax Harvesting
Planning And Minimization
Preparation And Filing
Government Audit/Inquiry Representation
Trust and Estate Income Tax Planning
Entity Formation
Accounting Services
QuickBooks Implementation & Assistance
Payroll Solutions
Financial Statement Preparation
Succession Planning & Business Valuation
Cash Flow, Buy/Sell & Other Evaluation Support
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Connecting and Communicating with You
Client Education
And Events
No Additional Charges
For Simple Inquiries
Superior Response Time
Of 3 Business Hours
Simplified Billing
Quarterly Market &
Portfolio Emails
Lifestyle Magazine &
Email Newsletter
27
GCD Advisors Commitment to Community
Our mission is to help you fund yours.
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GCD ADVISORS, LLC
111 S. Pfingsten Road, Suite 114 Deerfield, IL 60015
www.gcdadvisors.com
3-2019