Asset Management

Tax Strategies

Financial Planning

“Building futures with peace of mind”

We o!er our clients a comprehensive, holistic model that encompasses asset management, "nancial planning and tax strategy. In all areas of service, we provide clients with truly independent advice, primary in-house research, and guidance grounded in decades of experience and academic research. We view each client relationship as a partnership that is built on mutual respect. This partnership grows through open dialogue and continuous reassessments of each client’s "nancial needs.

Investment ManagementOur investment advisory services are o!ered under a fee-only arrangement, providing complete transparency to our clients. This structure enables us to give objective advice – none of our fees are derived from commissions on trades or fees directed to us from the investment products we use. We do not purchase mutual funds, or other instruments that dilute investor returns in lieu of excess fees or opaque trading strategies. Instead, we develop portfolios from individual equity, "xed income and derivative holdings to gain the appropriate exposure to various markets.

We choose investment vehicles based on a tactical asset allocation strategy. Given an acceptable level of risk, we use a mixture of equities and "xed income to maximize returns on the portfolio. Our bias is to employ a moderate risk pro"le, centered on a 60% equities/40% "xed income ratio that is adjusted for each client’s speci"c pro"le and needs. This balance combined

EDUCATION

We believe education is the cornerstone of learning at Vodia Capital. With seminars, regular newsletters and one-on-one sessions, we o!er a range of educational services to our clients. Our hope is to raise awareness of current events in the "nancial markets and address relevant issues from the global stage.

with diligent asset screening allows us to successfully maintain superior asset growth while limiting downside movement during volatile markets.

Financial PlanningFor "nancial planning, we use proprietary models to address the myriad of situations an individual or family may face. From immediate concerns such as the cost of funding a child’s education to more academic questions regarding the use of nominal versus real dollars, we bring rigor and sophisticated insights to our scenario planning. Our "nancial planning will incorporate the client’s expense budget, income, projected tax burden, and investment returns. From this base model, we can look at static projections for retirement goals and needs, or use more sophisticated statistical overlays such as a Monte Carlo simulation to formulate numerous potential scenarios in a consolidated format.

Tax StrategyPlanning and investing is not complete unless it is analyzed within the context of tax burdens. With marginal tax rates as high as 35% at the Federal level, a concise tax strategy combined with tax-advantaged investing can reap tremendous gains for a client’s overall net worth. Our extensive in-house experience in accounting and taxation, combined with carefully selected outside tax advisors for international taxation situations, provides a one-stop solution for our clients irrespective of current or future needs.

Our philosophy is focused around our clients and their needs through a holistic, fee-only environment

Simple solutions and sophisticated strategies

To build a portfolio, the process begins with an asset allocation model that works with broad asset classes - equities, "xed income and money markets. The balance amongst these asset classes is a function of the current market environment, current income needs, long-term growth requirements, and the clients’ comfort with di!erent levels of risk. The balance between asset classes is constantly monitored and modi"ed for evolving client circumstances, portfolio performance and changing market conditions.

All accounts are separately managed using a comprehensive investment methodology based in "nance theory developed and taught at MIT and Harvard.

Our principles #ow through to every aspect of our business

For our clients, we strive to provide ethical, objective and prudent advice for peace of mind, "nancial success, and quality of life. We realize this through a combination of diligence, teamwork and persistence to develop a comprehensive solution for each situation and opportunity.

For our sta!, we strive to provide a thriving work environment focused on learning and personal growth. Our sta! at Vodia Capital is the foundation for the business and our clients’ success.

For our community, we strive to align our corporate goals with the improvement of society and the sustainability of the environment.

“Peace of mind and the ability for each client to realize their "nancial goals are our ultimate goals and the true measure of success.”

Within each of these asset classes, we select investments based on value-oriented research, risk management and social responsibility screens. Each of these disciplines is explored in depth on our website as well as articles and research available as downloads.

This overall approach has served our clients well; since our inception we have safely navigated from bull to bear markets as well as extreme market dislocations.

David B. Matias, CPA David B. Matias is the Founder and Managing Principal of Vodia Capital. He brings over twenty years of experience in "nancial markets and taxation. His previous roles include leading corporate advisory projects as a partner at Mitchell Madison Group, Chief Financial O$cer of several startups, and working as an audit supervisor at Coopers & Lybrand (now part of PriceWaterhouseCoopers).

In 2004, David left the corporate world to start Vodia Capital looking to combine the sophistication of Wall Street with the personalization of a smaller "rm. Vodia Capital was founded on his deep personal and professional principles that are a part of the "rm’s core values.

David holds a Masters of Science from the MIT Sloan School of Management in Financial Engineering and Economics, a B.A. cum laude from Amherst College, and is a Certi"ed Public Accountant. David attended Concord Academy and grew up in Carlisle, Massachusetts. David now resides in Concord.

Millbrook Tarry97 Lowell Road, Second Floor

Concord, MA 01742Tel: 978-318-0900

Email: info@vodiacapital.com

At Vodia Capital, we embrace the values that form the foundation of our firm:

Integrity in working with our clients, their assets and their futures

Relationships between our client and our sta!

Excellence in every aspect of our work

Teamwork in delivering exceptional service to clients

Education for the advancement of all our minds and ideas

Respect for the global community in directing client assets