Overview of Vodia Capital's services.

1. Asset Management
Tax Strategies
Financial Planning
“Building futures with peace of mind”

2. EDUCATION Our philosophy is focused around our clients and their needs through a holistic,
fee-only environment
We believe education
is the cornerstone of
learning at Vodia Capital. We o er our clients a comprehensive, with diligent asset screening allows us to
holistic model that encompasses asset successfully maintain superior asset growth
With seminars, regular
management, nancial planning and tax while limiting downside movement during
newsletters and one-on-
strategy. In all areas of service, we provide volatile markets.
one sessions, we o er
clients with truly independent advice,
a range of educational Financial Planning
primary in-house research, and guidance
services to our clients. Our grounded in decades of experience and For nancial planning, we use proprietary
hope is to raise awareness academic research. We view each client models to address the myriad of situations
of current events in the relationship as a partnership that is built an individual or family may face. From
nancial markets and on mutual respect. This partnership grows immediate concerns such as the cost
address relevant issues from through open dialogue and continuous of funding a child’s education to more
the global stage. reassessments of each client’s nancial academic questions regarding the use
needs. of nominal versus real dollars, we bring
rigor and sophisticated insights to our
Investment Management scenario planning. Our nancial planning
Our investment advisory services are o ered will incorporate the client’s expense
under a fee-only arrangement, providing budget, income, projected tax burden,
complete transparency to our clients. This and investment returns. From this base
structure enables us to give objective model, we can look at static projections
advice – none of our fees are derived from for retirement goals and needs, or use
commissions on trades or fees directed to more sophisticated statistical overlays
us from the investment products we use. such as a Monte Carlo simulation to
We do not purchase mutual funds, or other formulate numerous potential scenarios in a
instruments that dilute investor returns consolidated format.
in lieu of excess fees or opaque trading Tax Strategy
strategies. Instead, we develop portfolios
Planning and investing is not complete
from individual equity, xed income and
unless it is analyzed within the context of
derivative holdings to gain the appropriate
tax burdens. With marginal tax rates as high
exposure to various markets.
as 35% at the Federal level, a concise tax
We choose investment vehicles based on a strategy combined with tax-advantaged
tactical asset allocation strategy. Given an investing can reap tremendous gains for
acceptable level of risk, we use a mixture a client’s overall net worth. Our extensive
of equities and xed income to maximize in-house experience in accounting and
returns on the portfolio. Our bias is to taxation, combined with carefully selected
employ a moderate risk pro le, centered outside tax advisors for international
on a 60% equities/40% xed income ratio taxation situations, provides a one-stop
that is adjusted for each client’s speci c solution for our clients irrespective of
pro le and needs. This balance combined current or future needs.

3. “Peace of mind and the ability for each client to realize their nancial
goals are our ultimate goals and the true measure of success.”
Our principles ow through
All accounts are separately managed using a comprehensive to every aspect of our
investment methodology based in nance theory developed and business
taught at MIT and Harvard.
For our clients, we strive to
provide ethical, objective
and prudent advice for
Simple solutions and sophisticated Within each of these asset classes, we peace of mind, nancial
strategies select investments based on value- success, and quality of life.
oriented research, risk management We realize this through a
To build a portfolio, the process and social responsibility screens. Each
begins with an asset allocation combination of diligence,
of these disciplines is explored in depth teamwork and persistence
model that works with broad asset on our website as well as articles and
classes - equities, xed income and to develop a comprehensive
research available as downloads. solution for each situation
money markets. The balance amongst
these asset classes is a function of This overall approach has served our and opportunity.
the current market environment, clients well; since our inception we For our sta , we strive to
current income needs, long-term have safely navigated from bull to bear provide a thriving work
growth requirements, and the clients’ markets as well as extreme market environment focused on
comfort with di erent levels of risk. dislocations. learning and personal
The balance between asset classes is growth. Our sta at Vodia
constantly monitored and modi ed Capital is the foundation for
for evolving client circumstances, the business and our clients’
portfolio performance and changing success.
market conditions.
For our community, we strive
to align our corporate goals
with the improvement of
society and the sustainability
of the environment.

4. 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
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,
Millbrook Tarry a B.A. cum laude from Amherst College,
97 Lowell Road, Second Floor and is a Certi ed Public Accountant.
David attended Concord Academy and
Concord, MA 01742 grew up in Carlisle, Massachusetts. David
Tel: 978-318-0900 now resides in Concord.
Email: info@vodiacapital.com