We Build and Preserve Wealth. Elmwood Wealth Management

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1 Elmwood

2 The Elmwood Vision By identifying your individual or family goals, we create a comprehensive wealth management plan specific to your needs. We then implement a portfolio designed to provide the highest probability of achieving those goals. We are a relationship driven business. You will have direct access and interaction with the investment and planning decision makers. We are not beholden to a specific investment style. As a result, we avoid inherent selection bias and model-driven portfolio decisions. Utilize technology to organize your financial affairs, enhance client communication and just make things easier for you. An all-inclusive offering means every client will receive financial planning, portfolio management, and tax & estate advice.

3 Our Team: Robert C. Gillooly, CFA Bob is a portfolio manager and member of the Elmwood Investment Committee. His primary responsibilities include U.S. domestic stock and bond research, as well as working with our financial planners on setting asset allocation for client portfolios. Prior to co-founding Elmwood Wealth, Bob worked for Osborne Partners Capital Management for 18 years and was their Vice President, Chief Operating Officer and a principal of the firm. He was a voting member of the four person investment committee responsible for choosing individual securities and setting asset allocations for over $1 billion of client funds. Bob also had sole responsibility for setting strategy for their approximately $300 million bond portfolio. Bob holds the CFA designation and received a B.A. from the University of Michigan. Shannon Lemon, CFP Shannon s primary responsibilities include working directly with our clients on assessing their financial situation and putting a plan in place to meet their financial goals. Prior to co-founding Elmwood Wealth Management, Shannon worked for Osborne Partners Capital Management for 18 years and was their Chief Compliance Officer and a principal of the firm. Shannon holds the CFP designation and received a B.A. from the University of Colorado at Boulder. Steve Caltagirone Steve is a portfolio manager and financial planner with Elmwood. Steve works directly with our clients to assess financial goals and objectives throughout each stage of the financial life cycle. Prior to joining Elmwood, Steve worked for Osborne Partners Capital Management where he advised clients across a wide range of portfolio and financial planning matters. Previously, he served as a portfolio manager with Bingham, Osborn and Scarborough. Steve received an MBA from Vanderbilt University and a B.S. from St. Mary s College of California.

4 Elmwood Core Services Financial Planning Retirement and education planning Insurance evaluation and 401k allocation Concentrated stock and options analysis Portfolio Management Customized portfolio management to achieve financial goals Multi-asset class investment strategy Open investment architecture to avoid biases Comprehensive estate planning Tax efficient strategies throughout the planning and investment process

5 Investment Process Elmwood utilizes a diversified, multi-asset class strategy to achieve risk-adjusted returns in accordance with each client s goals, objectives, and risk tolerance. Client portfolios are tailored to the needs of each individual client without the use of model-driven asset allocation weightings. For most portfolios, we utilize five distinct asset classes: Domestic Equities Elmwood utilizes this asset class as a growth driver within client portfolios. Our open architecture approach gives us the flexibility to select securities across the entire size and style universe (small cap, mid cap, large cap, value, growth). Additionally, we are free to utilize a combination of individual securities and Exchange Traded Funds (ETFs) within this asset class. Foreign Equities Elmwood utilizes this asset class as a growth driver within client portfolios. For security selection, we favor the use of regional and/or single country ETFs for proper diversification in overseas markets. Fixed Income Elmwood utilizes this asset class for portfolio yield and reduced volatility. Our open architecture approach gives us the flexibility to select a combination of individual bonds, ETFs and mutual funds. The fixed income component of a client s portfolio is allocated with careful consideration of tax efficiency. Natural Resources Elmwood utilizes this asset class for growth and lower correlation to other asset classes. We utilize a combination of individual stocks, ETFs and ETNs for security selection. This asset class may also serve as an inflation hedge during various periods of the economic cycle. Real Estate Elmwood utilizes this asset class for growth, yield, and lower correlation to other asset classes. We invest in REITs via individual stocks and ETFs that offer a high degree of liquidity. Elmwood does not invest in illiquid real estate transactions.

6 Additional Services Via our strategic alliances, we provide financial services beyond our core package: Tax preparation Estate document preparation Bill pay and budgeting Charitable giving

7 Fee Schedule Elmwood offers a competitive, tier-based fee schedule that incorporates both investment management and financial planning services. Fees are calculated using a percentage of the market value of assets held in a client s portfolio. Our typical fee schedule is as follows: Amounts less than $2,000, % Amounts in excess of $2,000, % but less than $5,000,000 Amounts in excess of $5,000, % but less than $10,000,000 Amounts in excess of $10,000,000 Subject to negotiation

8 Elmwood 2027 Fourth St., Suite 203 Berkeley, CA (510) Bob Gillooly Shannon Lemon Steve Caltagirone