Comprehensive wealth management for

SENIOR MANAGERS, MANAGING DIRECTORS AND PARTNERS Executive Summary Because the majority of you will only read one slide…

Our team Our niche • Our advisors share similar academic and professional • Our firm serves high-earning mid-career professionals, backgrounds to our high-achieving clients with a practice group specializing in consultants at • We understand your life stage, career arc, and work style and Accenture • Selected advisor credentials: • Over half of our client base are employees or Your need alumni of top-tier management You want to apply the same analytical consultancies, so our services are designed rigor to your personal finances as you specifically around the nuances of each firm do to your consulting projects, but you lack the desire, expertise, or Our services (especially) time to do so Our fees

• Portfolio management: passive, evidence-based investment strategy applied holistically across all of your household’s accounts Portfolio Size Annual rate • Financial planning: comprehensive modeling of your net worth to Up to $2 million 0.95% provide you with a framework for quantifying financial decisions Between $2 and $5 million 0.75% • Tax services: tax prep, filing, and ongoing consulting (free or Above $5 million 0.45% discounted for all clients) from a CPA specializing in consultancies • Collective buying power: leveraging the scale of our client base to – See slide 12 for details – negotiate discounts on mortgages, insurance, and other products 2 Contents …for those who want the details

• Our team

• What makes you (and therefore your wealth management needs) different

• Our services for Accenture consultants

• Next steps

3 Our team Why you’re different Geometric services Next steps

Our team for Accenture consultants

Geometric serves mid-career professionals, with a practice group specializing in consultants at Deloitte and Accenture

Wealth Advisors Tax Advisor

Andrew Leonard Patrick McGough Janet Davis Education • Harvard Business School, M.B.A. • University of (Booth), M.B.A. • University of Illinois, B.S. • Emory University, B.A. • University of Illinois, B.S. Credentials • Certified Financial Planner (CFP®) • Chartered Financial Analyst (CFA®) • Certified Public Accountant (CPA) • Certified Financial Planner (CFP®) Experience • Classic Capital (Wealth Mgmt.) • Honeywell UOP (Energy Consulting) • (Tax) • Analysis Group (Econ. Consulting) • Solo Cup LLC (Project Consulting) • Clifton Larson Allen (Tax) • Lubitz Financial (Wealth Mgmt.) 4 Our team Why you’re different Geometric services Next steps

What makes you different?

You and your career arc are different… …as are your wealth management needs • While you possess the intellectual horsepower to • Investing is the rare pursuit where superior intellect manage your own portfolio and financial planning does not necessarily translate into better performance. decisions, you likely lack the desire, expertise, or Many successful professionals need coaching to (especially) time to do so internalize this counter-intuitive fact • You have significantly more human capital (i.e., • Access to Accenture’s Employee Stock Purchase Plan future earnings power) than most other (ESPP) and Voluntary Equity Investment Program (VEIP) professionals, even if you are still early in the require a thoughtful plan to integrate your company process of converting it to financial capital stock into your broader financial plan • Your Accenture compensation structure, career arc, • Your accelerating income, combined with the relatively and company stock purchase plans are all unique short time period in which it will be earned, creates a rare “savings window.” Financial decisions made during this window will have an enormous long-term impact • These unique circumstances mean that typical financial planning rules of thumb, online calculators, and standard advice often don’t apply to Accenture professionals

5 Our team Why you’re different Geometric services Next steps

How do you analyze your own financial decisions?

• lack a framework for evaluating your major financial decisions and quantifying the tradeoffs involved? Do you apply • have undefined financial goals and manage each of your investment accounts independently, with no analytical rigor to overarching investment plan? your personal • hold excessive cash balances in bank accounts due Or do you… to indecision or inertia? financial • lack coordination between your tax strategy, decisions, as you investment strategy, and broader financial plan? • miss opportunities to contribute to tax-advantaged would for your accounts (e.g., 529s, “backdoor” Roth IRAs)? consulting clients? • have insurance policies with arbitrarily-determined coverage amounts?

Not have the time or energy to deal with any of this! 6 Our team Why you’re different Geometric services Next steps

Geometric’s scope of services: summary

Managing the full picture – not just your investment portfolio

Portfolio Financial management planning

Collective Tax services buying power

7 Our team Why you’re different Geometric services Next steps

Scope of services: portfolio management

Our investment philosophy (in 99 words) How we manage your portfolio Markets are efficient. Respect the evidence: "beating" the market is • Holistic portfolio strategy integrating all of your highly unlikely and costly to attempt. Instead, fully capture market accounts, customized for your goals and risk tolerance returns using passive/index funds. • Low-cost, tax-conscious, passive investment style Thoughtfully allocate between equities (for growth) and fixed implemented using funds from Dimensional Fund income (to reduce portfolio volatility) based on individual goals and Advisors (not available to retail investors) risk tolerance. • Daily monitoring for rebalancing and tax loss Rebalance systematically. Avoid market timing. harvesting opportunities Diversify broadly across asset classes and geographies. No big bets. • Strategic placement of asset classes across your household’s accounts to optimize tax efficiency Use small cap and value funds to improve expected returns. • Advice regarding your Accenture stock and integration Costs matter. A lot. Own low-cost investments. Minimize into the broader portfolio transaction costs. • Systematic risk reduction from “growth” to Taxes matter. A lot. Use tax-advantaged accounts wisely. Realize “conservative” assets as you age gains strategically. Harvest losses. • “Behavioral finance coaching” to ensure you stick to Simpler is (usually) better. your investment plan regardless of market turbulence Ignore the noise. or the daily news cycle 8 Our team Why you’re different Geometric services Next steps

Scope of services: financial planning

We build and maintain a comprehensive model of your net worth that provides you with a framework for quantifying all financial decisions Typical financial planning questions we help answer Retirement / • If I leave Accenture for a lower-paying job, how many more years will I have to work before reaching financial financial independence than if I stay? independence • How much should I be saving, when, and to which account(s)? College savings • Which type of savings plan is best? Which state’s 529 plan should I use? How much should I be contributing? • How should I consider the trade-off between saving for my children’s college expenses vs. saving for retirement? Housing decisions • Should I buy or rent? How much should I put down? What type of mortgage should I get? Should I refinance? • If I buy a larger home or vacation home, how many years out does that push financial independence? Debt • How should I prioritize paying down my debt vs. saving/investing? management • Which loans should I pay off and which should I maintain? Insurance needs • What type of life insurance do I need? How much coverage? For how long? • Is my Accenture-provided long-term disability (LTD) coverage enough? Estate planning • What documents do I need (e.g., wills, durable POAs, etc.)? Would I benefit from setting up a trust? • I typically make charitable donations via my credit card – is there a more tax-efficient way? 9 Our team Why you’re different Geometric services Next steps

Scope of services: tax services

For those who don’t use Accenture’s internal tax preparation services

• Free tax preparation, filing, and ongoing consulting for those with $1 million in assets under Geometric’s management1 • Integration of tax and investing strategy to maximize after-tax returns • Direct communication between tax preparer and wealth advisor means that you don’t have to spend time:

o Gathering investment-related tax statements to provide to your tax preparer

o Going over your prior year’s life events with your preparer

1. All other clients pay for tax services a la carte at a below-market rate. 10 Our team Why you’re different Geometric services Next steps

Scope of services: collective buying power

We leverage our clients’ collective buying power to negotiate favorable discounts on their behalf

Product type Partner Discount details Mortgages • Discounts between 0.125% and 0.50% off market rates (depending on situation) • Flexible terms, white glove service with dedicated team, and streamlined application process • No requirement to transition other banking services to US Trust, though existing BofA account-holders receive free (optional) upgrade to US Trust’s private bank Lines of credit • Custom lending program that allows our clients to establish lines of credit secured by their investments • Helpful for those who experience month-to-month cash flow issues/constraints

Note: we receive no renumeration of any kind from these partners. We simply work with them because we believe that doing so is in the best interests of our clients.

11 Our team Why you’re different Geometric services Next steps

How much does it cost?

Our pricing compares favorably to traditional wealth managers

Portfolio size includes all accounts over which Portfolio size Annual rate • Geometric has discretion, which typically includes taxable brokerage accounts/trusts, IRAs, 401(k)s, Up to $2 million 0.95% and 529s • Other positions we don’t have discretion over (e.g. Accenture stock) are incorporated into portfolio construction but are not factored into billing Between $2 and $5 million 0.75% • Fee tiers are applied marginally. For example, a household with $3 million under management would pay 0.95% on the first $2 million and 0.75% Above $5 million 0.45% on the remaining $1 million • Minimum fee of $5,000 per year 12 Our team Why you’re different Geometric services Next steps

Should you outsource?

Though our bias on this topic is obvious, whether or not you should work with an advisor essentially boils down to one decision:

Is personal finance a hobby of yours – in other words, do you derive energy from managing this aspect of your life?

• If so, then you should do it yourself. Outsourcing to an advisor would likely be a frustrating experience for both you and your advisor

• If not, and if these responsibilities feel more like a burden, then outsourcing to the right advisor should help you to both increase wealth and decrease stress. Your time is better spent on career, family, and true hobbies

13 Our team Why you’re different Geometric services Next steps

What are your options?

Traditional Do-it- Robo- wealth Commission- Yourself advisors mgmt. firm based broker Portfolio Low-cost investing    Management Fully diversified portfolio     Tax-efficient placement of investments   Strategic tax loss harvesting    Proper rebalancing techniques    Access to funds from Dimensional Fund Advisors  “Factor” investing (tilted towards small-cap and value)  Integration of 401(k) accounts into investment strategy   Behavioral finance “coach” to prevent emotional decisions/mistakes   Outsource of time required to manage portfolio     Financial Proactive guidance on all financial matters   Planning Net worth projections to guide decision-making  Advisors who understand your career and financial trajectory  Plans that consider assets not directly managed by advisor (e.g., ACN stock)   Outsourcing of time/stress required to make financial planning decisions   Guidance on tax-advantaged charitable giving   Tax services Deep integration between tax planning and investments   Tax preparation/filing included in fee1  Collective Discounted mortgage rates and insurance premiums (via partners)  buying power Access to discounted lines of credit collateralized by investments  14 1. For all clients who have assets under Geometric’s management above $1 million. Our team Why you’re different Geometric services Next steps

Next steps

Contact us to set up an introductory call to discuss your situation and determine if there is a fit

Andrew Leonard: Patrick McGough: [email protected] [email protected]

(202) 765-2211 (847) 873-9580

Visit www.geometricadvisors.com Follow us on Twitter: @GeometricAdvsr

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