Our approach to life-based Retirement Planning is very simple. We call it Design. Build. Protect. We design a plan built around your life. We help you clarify the plan and work towards achieving your goals allowing you to prioritize your family, worth and legacy.

1. Design. Build. Protect
Capital Associates
Wealth Management
WORKING TOGETHER

2. WHAT WE DO
OUR GOAL 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 IS TO 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
ENT BEHAVIOR
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 IS TO 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 IS TO 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 Rockledge Drive, 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