Introducing A New Standard Of Service

GCD Advisors seeks to provide the highest

quality wealth management, personalized tax and

comprehensive financial services to individuals

and small businesses.

I N D E P E N D E N T S I N C E 1 9 6 5 .

1

2

PILLAR 1

WEALTH MANAGEMENT

EXCELLENCE

Uniquely designed cash flow modeling

resulting in a complete understanding of

needs and legacy concerns with access to

custom planning tools and premier asset

management sources.

3

PILLAR 2

TAX

PROFICIENCY

CPAs with comprehensive experience

addressing taxes throughout all phases of

life and planning.

4

PILLAR 3

RELATIONSHIP

FOCUSED

Dedicated and eager to understand

family dynamics and lifestyle events to

keep planning relevant at inception and

along the way.

5

PILLAR 4

CONCIERGE

RESPONSIVENESS

Expedient turnaround providing

professional, simplified and actionable

responses to your ever evolving needs.

6

WEALTH

MANAGEMENT

EXCELLENCE

Uniquely designed cash flow modeling and access

to premier asset management sources

• Assess and define your goals• Preparation of our unique

Financial Life Planner (FLP)• Risk focused investment

portfolios• Insurance scenarios

considered

TAX

PROFICIENCY

As both CPAs and Personal Financial

SpecialistsSM we are uniquely qualified

• Streamlined process• Latest technology to reduce

time • Tax impact and efficiency

focused

RELATIONSHIP

FOCUSED

Deep understanding of your needs and family dynamics

• You and your family are our priority

• Focused on results that positively impact your life

CONCIERGE

RESPONSIVENESS

Service designed to deliver confidence and be

respectful of schedules

• Unparalleled responsiveness• Thoughtful consideration

and recommendations• Focused on your needs

GCD 4 Pillars - Guiding Our Engagements

7

Our Unique

Approach

Providing service, insight and

advice to support your goals.

8

The Fiduciary Standard

• GCD Advisors is a Registered Investment Advisor (RIA) with a fiduciary duty to our clients.

• Our values, as well as a legal obligation, require us to always act in your best interest.

• Brokers and hybrid RIAs are not obligated to act in your best interest and focus on selling investment products for commissions.

• As a fiduciary, there are no conflicts about where your money is held – all investments are custodied with highly rated national firms.

9

Discovery – Define, Prioritize, Understand

Understanding your personalized risk tolerance is our primary concern when creating investment portfolios for our clients.

10

The GCD Financial Life Planner™

Originally authored in 1996 by the partners at GCD, this uniquely designed model has helped clients to truly understand their annual cash flows and projected year end total asset values. The key differences in this model vs. others provided by wirehouses and insurance companies are:

• Ease of readership• Depth of information• Annual monitoring• Unbiased observation• Flexibility to deal with current tax and economic issues• No assumptions are used other than what is provided by the

client• Ability for clients to take proper actions from the results

11

Applied Tax Expertise

• Practicing CPAs since 1985

• Members of the American Institute of CPAs and the Illinois CPA Society

• Consideration of tax implications across client’s entire financial picture

• Expert representation with the Internal Revenue Service and state taxing authorities

• Individuals, families, trusts and small business experts

• Streamlined, efficient process ensures timely preparation and filing

12

The importance of

a Trusted Advisor

Navigating the complexities

and historical foundations

13

Historical Research Highlights The Importance Of Asset Allocation

14

Volatility Can Affect Your Results

15

Annual Return and Intra-Year Declines

Source: FactSet, Standard & Poor’s, J.P. Morgan Asset Management. Returns are based on price index only and do not include dividends. Intra-year drops refers to the largest market drops from a peak to a trough during the year. For

illustrative purposes only. Returns shown are calendar year returns from 1980 to 2017, over which time period the average annual return was 8.8%. Guide to the Markets – U.S. Data are as of December 31, 2017.16

Annual Returns for Key Indices Ranked in Order of Performance (1998-2017)

17

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

S&P 500 MSCI Russell Russell Bloomberg MSCI MSCI MSCI MSCI MSCI Bloomberg MSCI Russell Bloomberg MSCI Russell S&P 500 S&P 500 Russell MSCI

Growth Emerging 2000 Value 2000 Value Barclays Emerging Emerging Emerging Emerging Emerging Barclays Emerging 2000 Barclays Emerging 2000 Growth Growth 2000 Value Emerging

Markets Agg Markets Markets Markets Markets Markets Agg Markets Growth Agg Markets Growth Markets

42.16% 66.84% 22.83% 14.02% 10.26% 55.82% 25.55% 34.00% 32.17% 39.38% 5.24% 78.51% 29.09% 7.84% 18.23% 43.30% 14.89% 5.52% 31.74% 37.28%

S&P 500

28.58%

Russell

2000

Growth

43.09%

Bloomberg

Barclays

Agg

11.63%

Bloomberg

Barclays

Agg

8.43%

Bloomberg

Barclays

High Yield

-1.37%

Russell

2000

Growth

48.54%

Russell

2000 Value

22.25%

MSCIWorld ex

USA

14.47%

MSCIWorld ex

USA

25.71%

MSCIWorld ex

USA

12.44%

Bloomberg

Barclays

High Yield

-26.16%

Bloomberg

Barclays

High Yield

58.21%

Russell

2000

26.85%

Bloomberg

Barclays

High Yield

4.98%

Russell

2000 Value

18.05%

Russell

2000

38.82%

S&P 500

13.69%

S&P 500

1.38%

Russell

2000

21.31%

S&P 500

Growth

27.44%

MSCI S&P 500 S&P 500 Bloomberg MSCI Russell MSCI S&P 500 Russell S&P 500 Russell Russell Russell S&P 500 S&P 500 Russell S&P 500 Bloomberg S&P 500 MSCI

World ex Growth Value Barclays Emerging 2000 World ex Value 2000 Value Growth 2000 Value 2000 2000 Value Growth Value 2000 Value Value Barclays Value World ex

USA High Yield Markets USA Growth Agg USA

18.77% 28.24% 6.08% 5.28% -6.16% 47.25% 20.38% 5.82% 23.48% 9.13% -28.92% 34.47% 24.50% 4.65% 17.68% 34.52% 12.36% 0.55% 17.40% 24.21%

S&P 500

Value

14.68%

MSCI

World ex

USA

27.92%

Russell

2000

-3.02%

Russell

2000

2.49%

Russell

2000 Value

-11.43%

Russell

2000 Value

46.03%

Russell

2000

18.33%

S&P 500

4.91%

S&P 500

Value

20.81%

Russell

2000

Growth

7.05%

Russell

2000

-33.79%

MSCI

World ex

USA

33.67%

MSCI

Emerging

Markets

18.88%

S&P 500

2.11%

MSCI

World ex

USA

16.41%

S&P 500

Growth

32.75%

Bloomberg

Barclays

Agg

5.97%

Russell

2000

Growth

-1.38%

Bloomberg

Barclays

High Yield

17.13%

Russell

2000

Growth

22.17%

Bloomberg

Barclays

Agg

8.67%

Russell

2000

21.26%

Bloomberg

Barclays

High Yield

-5.86%

MSCIEmerging

Markets

-2.61%

MSCIWorld ex

USA

-15.80%

MSCIWorld ex

USA

39.42%

S&P 500

Value

15.71%

Russell

2000 Value

4.71%

Russell

2000

18.37%

Bloomberg

Barclays

Agg

6.97%

S&P 500

Growth

-34.92%

S&P 500

Growth

31.57%

Bloomberg

Barclays

High Yield

15.12%

S&P 500

Value

-0.48%

Russell

2000

16.35%

S&P 500

32.39%

Russell

2000

Growth

5.60%

MSCIWorld ex

USA

-3.04%

S&P 500

11.96%

S&P 500

21.83%

Bloomberg

Barclays

High Yield

1.87%

S&P 500

21.04%

S&P 500

-9.11%

Russell

2000

Growth

-9.23%

Russell

2000

-20.48%

S&P 500

Value

31.79%

Russell

2000

Growth

14.31%

Russell

2000

4.55%

S&P 500

15.79%

S&P 500

5.49%

S&P 500

-37.00%

Russell

2000

27.17%

S&P 500

Value

15.10%

Russell

2000

Growth

-2.91%

S&P 500

16.00%

S&P 500

Value

31.99%

Russell

2000

4.89%

S&P 500

Value

-3.13%

Russell

2000

Growth

11.32%

S&P 500

Value

15.36%

Russell

2000

Growth

1.23%

S&P 500

Value

12.73%

MSCIWorld ex

USA

-13.37%

S&P 500

Value

-11.71%

S&P 500

Value

-20.85%

Bloomberg

Barclays

High Yield

28.97%

Bloomberg

Barclays

High Yield

11.13%

Russell

2000

Growth

4.15%

Russell

2000

Growth

13.35%

S&P 500

Value

1.99%

Russell

2000

Growth

-38.54%

S&P 500

26.47%

S&P 500

15.06%

Russell

2000

-4.18%

Bloomberg

Barclays

High Yield

15.81%

MSCIWorld ex

USA

21.02%

Russell

2000 Value

4.22%

Russell

2000

-4.41%

MSCIEmerging

Markets

11.19%

Russell

2000

14.65%

Russell

2000

-2.55%

Bloomberg

Barclays

High Yield

2.39%

S&P 500

Growth

-22.08%

S&P 500

-11.89%

S&P 500

-22.10%

S&P 500

28.68%

S&P 500

10.88%

S&P 500

Growth

4.00%

Bloomberg

Barclays

High Yield

11.85%

Bloomberg

Barclays

High Yield

1.87%

S&P 500

Value

-39.22%

S&P 500

Value

21.17%

S&P 500

Growth

15.05%

Russell

2000 Value

-5.50%

S&P 500

Growth

14.61%

Bloomberg

Barclays

High Yield

7.44%

Bloomberg

Barclays

High Yield

2.45%

Bloomberg

Barclays

High Yield

-4.47%

S&P 500

Growth

6.89%

Russell

2000 Value

7.84%

Russell Bloomberg Russell S&P 500 S&P 500 S&P 500 S&P 500 Bloomberg S&P 500 Russell MSCI Russell MSCI MSCI Russell Bloomberg MSCI Russell MSCI Bloomberg

2000 Value Barclays 2000 Growth Growth Growth Growth Barclays Growth 2000 World ex 2000 Value World ex World ex 2000 Barclays Emerging 2000 Value World ex Barclays

Agg Growth High Yield USA USA USA Growth Agg Markets USA High Yield

-6.45% -0.83% -22.43% -12.73% -23.59% 25.66% 6.13% 2.74% 11.01% -1.57% -43.56% 20.58% 8.95% -12.21% 14.59% -2.02% -2.19% -7.47% 2.75% 7.50%

MSCI Russell MSCI MSCI Russell Bloomberg Bloomberg Bloomberg Bloomberg Russell MSCI Bloomberg Bloomberg MSCI Bloomberg MSCI MSCI MSCI Bloomberg Bloomberg

Emerging 2000 Value Emerging World ex 2000 Barclays Barclays Barclays Barclays 2000 Value Emerging Barclays Barclays Emerging Barclays Emerging World ex Emerging Barclays Barclays

Markets Markets USA Growth Agg Agg Agg Agg Markets Agg Agg Markets Agg Markets USA Markets Agg Agg

-25.34% -1.49% -30.71% -21.40% -30.26% 4.10% 4.34% 2.43% 4.33% -9.78% -53.33% 5.93% 6.54% -18.42% 4.21% -2.60% -4.32% -14.92% 2.65% 3.54%

This Callan Periodic Table of Investment Returns conveys the strong case for diversification across asset classes (stocks vs. bonds), investment styles (growth vs. value),capitalizations (large vs. small) and equity markets (US vs. non-US). The table highlights the uncertainty inherent in all capital markets. Rankings change every year. Also noteworthyis the difference between absolute and relative performance, as returns for the top-performing asset class span a wide range over the past 20 years.

What are the effects of non-core diversification?

Source: Zephyr StyleADVISOR. See last page of this document for definitions. It is not possible to invest directly in an index.

Past performance is no guarantee of future returns. For financial advisor use with advisory clients. This presentation is not complete without all pages.

0

20

40

60

80

100

No Alts 10% Alts 20% Alts 30% Alts 40% Alts

Managed Futures

Equities

Fixed Income

Shift from equities into managed futures

Fixed income remainssame

January 2000 – April 2016

Small allocation changes, including “alternative” investments, could have a big impact on your portfolio.

EQUITIES FIXED INCOMEMANAGED

FUTURES

18

Returns From Diversification Typically Differ From Equities

Charts & tables are provided for illustrative purposes only. Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal, and there can be no

assurance that any investment strategy will be successful. One cannot invest directly in an index. Source: Zephyr Style Advisor. US Equities represented by S&P 500, Managed Futures represented

by SG Trend.

This is why alternatives can be especially powerful during deep declines.

19

-60

-40

-20

0

20

40

6012 m

onth

retu

rn (

%)

US Equities Managed Futures

12 Month Rolling PeriodsPerformance Period: December 2000 – December 2017

Understanding Your Risk Profile

SEE LAST PAGE OF THIS DOCUMENT FOR DISCLOSURE DETAILS.

GCD works with you to consider which risk profile is right for you as well as the appropriate benchmark for yourportfolio. This benchmark will be a mix of broad market indexes selected to match your comfort-level with bothchoppy returns and maximum loss.

20

• Investments made by boutique and institutional solution providers* with performance that has the potential to be consistent, repeatable, and sustainable

*See Slide 23 of this presentation for a list of all Investment Solution Providers on the AssetMark platform

GCD Disciplined Investment Process

• Multi-decade industry leading asset management provider

• Portfolio construction and customization

• Highly curated platform with rigorous strategist due diligence

• Manager review and periodic manager visits

• Robust analytics to assist in optimizing portfolios

• Rebalance and maintain the asset allocation as needed

• Assess your goals to select specific allocations and a model portfolio

• Develop an integrated, personalized investment program based on your financial goals

• Monitor your objectives to keep your portfolio on track

• Consider taxes when appropriate

• Portfolios designs to help you achieve your financial goals

• Multiple investment approaches for improved diversification

• Consolidated accounts for streamlined reporting and advantageous fee structures

• Tax efficiency taken into consideration

• 24/7 online account access

21

GCD partners with AssetMark

to provide individualized

investment solutions.

In our complex modern age, no one firm alone can provide truly

comprehensive financial services to you.

GCD has assembled a team of professionals and businesses across

the multiple disciplines of our industry in order to give you the most

up-to-date and in-depth service and advice.

A cornerstone partner is AssetMark, which provides an innovative

technology and investment platform that allows us to better focus

on aligning your future with your vision.

• US BASED FIRM ESTABLISHED IN 1996

• $40B+ ASSETS UNDER MANAGEMENT

• FOCUSED ON THE LIVES OF OUR CLIENTS

22

Tailored Selection - Portfolio Construction & Strategists

Investing involves risk including the potential loss of principal. There is no guarantee that a diversified portfolio will out perform a non - diversified portfolio in any given market environment. No investment strategy , such as asset allocation, can guarantee a profit or protect against loss in periods of declining values. Commodities and futures trading is

speculative and volatile and involves a high degree of risk . Trading in commodities and futures is not appropriate for all persons, as the risk of loss is substantial. Therefore, except for those considered to be bona fide hedgers, only risk capital should be used in futures trading. Mutual funds invest in a variety of investments, including equities, fixed income,

securities, real estate securities, commodities and managed futures. There are general risks associated with these investments. These include but are not limited to security selection risk, asset class risk and risk inherent in various investment strategies that each mutual fund may employ. DoubleLine is a registered trademark of DoubleLine Capital LP. All

rights in the Model Portfolios are owned by and vest in AlphaSimplex Group, LLC (“ AlphaSimplex ”). “ AlphaSimplex ” and “ AlphaSimplex Group, LLC” are service marks of AlphaSimplex and are used with permission. AssetMark, Inc. is an investment adviser registered with the Securities and Exchange Commission . Aris and Savos Investments are

divisions of AssetMark. © 2016 AssetMark, Inc. All rights reserved.23

Monitoring & Management - Quarterly Account Statement

Comprehensive reporting and monitoring available for you 24/7and reviewed on a regular basis.

24

Our Firm

Comprehensive services

and a team committed to

excellence.

25

GCD provides comprehensive and extensive services to address your wealth management needs.

Comprehensive Services

Wealth Management Tax Services Business Services

Financial Planning

Investment Management

Estate Planning Coordination & Review

Insurance Review & Interpretation

Annuity Analysis & Integration

Stock Option & RSU Planning

Income Distribution Strategies

Charitable Planning

Tax Harvesting

Planning And Minimization

Preparation And Filing

Government Audit/Inquiry Representation

Trust and Estate Income Tax Planning

Entity Formation

Accounting Services

QuickBooks Implementation & Assistance

Payroll Solutions

Financial Statement Preparation

Succession Planning & Business Valuation

Cash Flow, Buy/Sell & Other Evaluation Support

26

Connecting and Communicating with You

Client Education

And Events

No Additional Charges

For Simple Inquiries

Superior Response Time

Of 3 Business Hours

Simplified Billing

Quarterly Market &

Portfolio Emails

Lifestyle Magazine &

Email Newsletter

27

GCD Advisors Commitment to Community

Our mission is to help you fund yours.

28

GCD ADVISORS, LLC

111 S. Pfingsten Road, Suite 114 Deerfield, IL 60015

www.gcdadvisors.com

3-2019