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Get A Second Opinion To help instill confidence in achieving your goals, we offer a complimentary second-opinion service. With a second opinion, you get the same expertise and guidance our clients expect from us. Whether you manage everything yourself or work with another advisor, it’s always worth it to get a second opinion on something as important as your financial plan. W HAT I S A FINANCIAL SECOND OPINION ? Just like getting a second opinion from a doctor, a financial second opinion means having an advisor review your financial plan. It can be an excellent way for investors to get a second look at their plan from a professional and gain reassurance and peace of mind about their progress. A second opinion from Holzberg Wealth Management can be a great way to gain valuable perspective and clarity on your finances. The best part is that it comes with no obligation and no cost to you. POTENTIAL ADVANTAGES Benefits of Getting a Second Opinion A financial second opinion can be a valuable and cost-free way to test-drive what it would be like to work with us. Having a fiduciary in your corner means getting the highest standard of care from an advisor who always puts your needs first. Feel Confident in Your Decisions Ensure Your Goals Align with Your Financial Plan Get Clarity on Your Investment Strategy & Portfolio Allocation Potentially Lower Your Investment Fees You May Learn Something New! Schedule a Complimentary Meeting Are you taking on more or less risk than you should be? Are you missing anything, or is there anything you could be doing better? Is your current plan keeping up with your changing financial circumstances? Are you in good shape for retirement? OUR PROCESS 01 It starts with an initial call where we talk about you and your unique circumstances. Essentially, we are trying to understand where you are, where you want to be, and identify any gaps in between. 02 If we can help and you wish to proceed, we set a meeting to go over the specific items you wish to discuss. Primarily, our conversation centers around your investments, as they are usually the main focus for successful families. But we know investments are not your only concern. Often, we discuss other issues, including: Retirement planning, Mitigating taxes, Estate planning, Protecting your assets, and Debt management. 03 During this meeting, we walk you through our thoughts and answer any questions you may have. We tie it together with the details from our initial conversation and present you with three possibilities: You are doing just fine. You are in great shape and on track to meet your goals. Keep it up! There is room for improvement, and you are looking to take your finances to the next level by bringing in a professional. We will offer ways we can help and explore the next steps. We may acknowledge that someone else is better suited to your needs, and we will make recommendations for experts with different areas of expertise that may be a better option for you If you are satisfied with our service, there’s no pressure and no obligation to move forward. If you wish to become a client, we already have a great jumping-off point to continue to build from there. WHEN SHOULD YOU CONSIDER A FINANCIAL SECOND OPINION? You Are Currently Investing on Your Own You Are Looking for An Advisor Your Financial Circumstances Recently Changed or Got More Complex You Are Already Working with An Advisor INTERESTED IN A SECOND OPINION? Let's Chat! Valuable information is waiting for you. Find out how a financial second opinion could positively impact your retirement.

Our Services In order to provide high-level enhancement to your financial well-being, we embrace your individual circumstances. We have developed a suite of customizable services to assist you in structuring and achieving your short, intermediate, and long-term goals. Investment Management & Advising A sset Allocation Analysis and Account Coordination Withdrawal Strategies Rebalancing Execution Handlin g Concentrated Stock Positions How to Invest an Inheritance/Windfall Employer Stock Options and St ock Plan Analysis Incentive Stock Options (ISOs) Nonqualified Stock Options (NQSOs) Restricted Stock Units (RSUs) Employee Stock Purchase Plans (ESPP) Moving to Lower-Cost Investments Rental Real Estate Analysis Our Investing Insights Retirement Planning Retirement Needs Analysis and Contribution Requirements Determine When You Can Retire Retirement Cash Flow Analysis Retirement Lifestyle Goal Planning/Guidance Safe Withdrawal Rate Analysis and Retirement Income Strategies Roth vs. Traditional Retirement Plan Analysis Roth Conversions Required Minimum Distribution (RMD) Planning and Execution Defined Benefit Pension Claiming Analysis Social Security Claiming Analysis Our Retirement Insights Income Tax Planning & Projections Strategies for Changes in Tax Policy Projections For Upcoming Tax Year Adjusting Withholding and Allowances Capital Gains and Tax Loss Harvesting Analysis Charitable Giving Planning Leveraging Tax Credits Reviewing Tax Return Tax Bracket Management Our Tax Insights Estate Planning & Legacy Building Federal Estate Tax Analysis Guidance on Creating and Reviewing Estate Documents Advance Healthcare Directives ​ Healthcare Proxies ​ Power of Attorneys ​ Wills Surviving Spouse Planning Review B eq uest and Potential Trust Options Funding of Trusts and Retitling Assets Business Succession Planning Our Estate Planning Insights Insurance & Risk Management Planning Workplace Open Enrollment Period Benefits Planning Life Insurance Needs Assessment Disability Insurance Analysis High Deductible Health Plan (HDHP) With HSA vs. Low-Deductible Health Insurance Analysis Lon g-Term Care Insurance Analysis Medicare Analysis Homeowner's Insurance Analysis Review Auto Insurance Coverage Umbrella Insurance Analysis Our Insurance Insights READY TO GET STARTED? Let's Chat! Valuable information is waiting for you. Find out how a great financial plan could positively impact your retirement.

P REVIOUS N EWSLETTERS Holzberg Wealth Management 2 days ago Stock Market Hits New Highs. Where Do We Go From Here? Major indices reach new highs, and consumers remain optimistic. What lies ahead, and what is the outlook for the Fed's soft landing? Holzberg Wealth Management Feb 6 Key Economic Indicators and Trends: How Has the Start of the Year Been So Far? From Fed decisions to global elections to narrow concentration in the S&P 500, explore the trends shaping the economy at the start of 2024. Holzberg Wealth Management Jan 8 The Economic Outlook for 2024 2022 and 2023 defied investors' expectations about where the stock market would go in the year to come. Will 2024 be the same? Holzberg Wealth Management Dec 6, 2023 Will The Economic Roller Coaster Continue? Will the economic roller coaster continue? Join us as we endeavor to make sense of continued conflicting macroeconomic signals. Holzberg Wealth Management Nov 6, 2023 Three Driving Factors of the Economy We Are Watching Heading into Q4 2023. Discover three crucial areas of the economy we are watching entering Q4 of 2023 and why we believe you should pay attention to them too. 1 2 3 4 5

C ONTACT U S Submit Thank you for your submission! POTENTIAL TOPICS TO TALK ABOUT... Comprehensive Financial Planning Investment Management & Advising Retirement Planning Income Tax Planning & Projections Estate Planning & Legacy Building Insurance & Risk Management Planning Call Us +1 (415) 891-4046 Email Us info@hwmfa.org HQ Corte Madera, CA Servicin g clients in the greater San Francisco Bay Area and nationwide.

WELCOME TO H OLZBERG W EALTH M ANAGEMENT YOUR PARTNER IN FINANCIAL PLANNING & INVESTMENT MANAGEMENT AS SEEN IN ABOUT OUR FIRM Holzberg Wealth Management is a family-owned and operated financial planning and investment management firm based in Marin County, CA. As your financial advisors, we serve you as a fiduciary and are fee-only , so we never receive commissions of any kind. We help individuals and families like you in the greater San Francisco Bay Area and virtually nationwide with the financial decision-making process to organize, grow, and protect your assets. OUR SERVICES Comprehensive Financial Planning Develop and implement financial management strategies into an integrated plan to maximize the potential to meet your financial goals. Investment Management & Advising Professional portfolio design and management customized to align with your risk tolerance, investment experience, financial objectives, and personal values. Retirement Planning Safe withdrawal rate analysis, savings and income strategies, and an enhanced understanding of retirement benefits, so you retire with confidence. Income Tax Planning & Projections Leverage tax credits and deductions to augment your savings and reduce your tax burden for a more financially secure future. Estate Planning & Legacy Building Build a program for effective and efficient asset transfer in accordance with your wishes, along with charitable gifting strategies. Insurance & Risk Management Planning Evaluate and identify risk exposures, and lend guidance on how best to reduce, retain, or transfer risk. Explore More of Our Services WHY HOLZBERG WEALTH MANAGEMENT OUR PROMISE Together, we create a customized plan that helps you achieve financial freedom by aligning your money with your priorities and aspirations. We work closely with you to help you achieve those goals by upholding our fiduciary duty to deliver value that is always in your best interests. How We're Different MEET US A Registered Investment Advisory Firm Since 2013 As financial advisors, we help you transform the 'guesswork' of making financial decisions into a more measured path forward. We accomplish this by utilizing sophisticated yet easy-to-understand methods of analysis coupled with best-in-class research and technology. Harris Holzberg ChFC®, CLU® Chartered Financial Consultant® Chartered Life Underwriter® The founder of Holzberg Wealth Management, Harris is an expert in investing and retirement planning with over four decades of experience. Read More Marcus Holzberg, CFP® CERTIFIED FINANCIAL PLANNER Marcus specializes in financial planning for young professionals, as well as student loan analysis and employer stock options. Read More TM Connect With Us! Rest easy knowing your financial future is in good hands. HOW IT WORKS We understand that planning for your financial future can be overwhelming. We're here to guide you every step of the way to help you achieve your financial goals. INITIAL ASSESSMENT We start by identifying your initial concerns, objectives, and life goals. We take this time to assess your unique needs, and uncover where you are financially and where you want to be. We aim to align our thinking with your sensibilities to strengthen our collaboration along your financial journey. EVALUATE & PLAN With your goals and objectives as a roadmap, we design and configure a plan tailor-fit to you. Together, we weigh the alternatives available with the potential changes in outcomes. We'll also provide insights into making the road ahead clearer and more achievable. MONITOR & MODIFY As circumstances and assumptions change over time, we work with you to monitor your plan to ensure we are making progress toward your goals. As necessary, we restructure or modify the plan to ensure we stay on track. Learn More About How It Works OUR INSIGHTS Newsletter Stock Market Hits New Highs. Where Do We Go From Here? Major indices reach new highs, and consumers remain optimistic. What lies ahead, and what is the outlook for the Fed's soft landing? Investment Planning 6 Mistakes Young Professionals Make With Their Money Retirement Planning What Should I Do With My 401(k) From a Previous Employer? Newsletter Key Economic Indicators and Trends: How Has the Start of the Year Been So Far? Explore More Insights

Getting Started with Holzber g Wealth Management We recognize the amount of time and energy spent considering financial decisions and whether you truly have what you need to achieve your goals. Our innovative planning process and actionable strategies have helped hundreds of clients nationwide to stop worrying about money so they can fully enjoy experiencing life. We have developed a suite of customizable services to enhance your financial well-being. Our client-first approach and four decades of experience have enabled us to equip our clients with the tools to create and maintain wealth. We tailor our strategy to your unique circumstances and strive to provide the advice you need to navigate complicated financial choices, achieve your dreams, and obtain financial peace of mind. Check Out How We Can Help You FINANCIAL PLANNING TIMELINE It starts with a complimentary discussion to answer any preliminary questions you may have and gauge whether our services align with where you need help. To get started, simply choose a time that works for you. INITIAL CONSULTATION We collect the necessary information to address your concerns, goals, and desires. We’ll also help sort through financial documents and identify missing information. GET ORGANIZED MEETING We present strategies, and together, we’ll develop a plan that works best for you. Our goal is to commit to implementing the top one or two proposals. PLAN DELIVERY MEETING 15 MINS 90 MINS 90 MINS 02 06 05 04 03 01 60 MINS DISCOVERY MEETING We’ll assess a mutual fit, build a rapport, and share more about our firm and pricing to affirm the next steps. 60 MINS GOALS & POSSIBILITIES MEETING An exploratory meeting. After creating a financial assessment, we analyze and get a sense of your current financial situation and discuss your unique needs and objectives. 60 MINS ONGOING MEETINGS Going forward, we’ll meet periodically, depending on the complexity of your plan, to ensure we’re making progress. We’ll also commit to implementing the remaining planning recommendations. Learn More About How It Works INVESTMENT MANAGEMENT: THE FIRST SIX STEPS STEP 1 Set Goals & Objectives STEP 3 Open Schwab Accounts & Transfer Assets STEP 5 Implement Investment Strategy STEP 6 Create Comprehensive Financial Plan STEP 2 Sign HWM Client Agreements STEP 4 Investment Strategy Meeting WHY WORK WITH US? In Working Together, We Offer: OBJECTIVITY Proac tive advice to address life changes, as well as changes to relevant la ws and how they affect your plan. ​ MANAGE COMPLEXITY As you get older, your financial affairs get more complicated. We provide sophisticated yet easy-to-und erstand solutions. TIMELINESS Timely communication about relevant changes to the markets and the financial world and how to act accordingly. ACCESSIBILITY We believe our clie nts should always have access to the best advice available to unlock the most value from their financial decisions. Learn More About Our Values READY TO GET STARTED? Let's Chat! Valuable information is waiting for you. Find out how a great financial plan could positively impact your retirement. Not sure if now's the right time to get started? Not a problem! Let's keep in touch by subscribing to our monthly newsletter. Also, check back periodically to learn more about timely financial information to ensure you're capitalizing on events and opportunities.

Who We Serve Based in Marin County, we serve clients locally in the San Francisco Bay Area and virtually nationwide. We enjoy getting to know you and are committed to forming strong partnerships to further personalize your experience with us. OUR IDEAL CLIENT Our most successful clients are... 1 2 3 Motivated Analytical Proactive You are ready and willing to take the 'guesswork' out of managing your wealth and are motivated to optimize your finances. You are engaged and ask questions. By strengthening our partnership, we get you closer to achieving your financial dreams and goals. You recognize your growing needs resulting from an ever-more complex world and want someone in your corner to help you through it. WHO WE SERVE Retirees & Pre-Retirees With our retired and soon-to-be-retired clients, we focus on investment management and thoughtful financial planning to preserve your wealth and ensure you are meeting your current income needs. As your trusted partners, we'll be there for you when you need advice so you can relax and retire confidently. Questions we've helped our clients answer include:​ Do I have enough to retire? Should I do a Roth conversion? What type of Medicare coverage do I need? When should I start claiming Social Security? How much should I be withdrawing from my retirement accounts? Should I take a lump-sum distribution from my pension or take payments as a monthly annuity? What estate planning documents should I have? Do I need long-term care insurance? Young Professionals You are an early-to-mid-career professional, busy and frequently on the go. Often you are faced with big financial choices that impact you and your family but don't have the time or know-how to make those decisions on your own. Growing as a professional demands your time, and it's challenging to pay adequate attention to your finances. Think of us as your personal CFO. We leverage our experience and best-in-class technology and research to help answer questions like: Am I saving enough? Can I retire early? How can I reduce my taxes? How do my student loans work? How can I make sure I'm making the most out of my employee benefits? What should I do with my company stock options? What should I consider when buying a home? What should I do with my inheritance? Should I refinance my debt? Do I have enough life insurance? Intergenerational Families Intergenerational families are near and dear to us, being a family business ourselves. Preserving the lasting legacy of each family member is so important, and we look to build off of that foundation to secure the financial future for the next generation. Questions we help out with include: How can I make sure my aging parents are financially cared for? Are my estate planning documents in good order? How should my investment decisions change as we get older? How can I help pay for my (grand)child's education? How do I start a gifting program? What can I do to better keep track of my family's finances? How can I plan for having a family of my own? How can I ensure I'm leaving the financial legacy I want? Entrepreneurs & Small Businesses Entrepreneurs and small businesses have enough on their plates. We help by taking over the legwork of analyzing financial decisions to help you run your business more smoothly and efficiently. You'll have peace of mind knowing you and your company's finances are in good hands, so you can give your business the attention it deserves. We help answer questions like: What can I do to take care of my employees? What kind of retirement plan best fits my company? And how do I go about creating it? How can I execute cash flow and debt management strategies with an irregular income? What business entity should I choose? How should I structure my company to protect the business if something happens to one of our partners? What business insurance should I have? DOES THIS SOUND LIKE YOU? Let's Chat! Valuable information is waiting for you. Find out how a great financial plan could positively impact your retirement.

Our Purpose Since our founding in 2013, our mission has been to offer an unmatched and personal service experience. We are committed to the highest standard of care and excellence in everything we do to provide you with the most value possible. O UR C ORE V ALUES Service First As fiduciaries, we always put your interests first. This ensures that we bring honesty and integrity to the table and enables us to provide clarity across all levels of financial planning and in the investment decision-making process. Thorough Assessments We understand that our success is fueled by the trust and confidence you have in us. It is for that reason that we are motivated to always strive for excellence in serving your unique needs and objectives. Empowering You Combined with our client-centric focus, our close-knit family atmosphere encourages a deep appreciation for what is important in life and a unified sense of purpose, which results in outstanding outcomes for you and your family. HOW ARE WE DIFFERENT? What You Can Expect FIDUCIARIES Our advice is in your best interests 100% of the time. FEE-ONLY We never receive commissions of any kind and are only compensated based on our agreed-upon fee. INDEPENDENT We are not bound to any outside firms and are not incentivized to recommend any investment products to you. We do this so we can more easily adapt to the latest opportunities to better serve you. Schedule a Complimentary Meeting OUR INVESTMENT PHILOSOPHY ASSET ALLOCATION & DIVERSIFICATION Based on our independent research and the client's risk tolerance, we help diversify assets and set allocations. We utilize low-cost, high-quality investments to diligently build and monitor portfolios so our clients can focus on what matters most to them. ACTIVE PORTFOLIO DESIGN & MANAGEMENT With four decades of experience, we adhere to proven strategies that have guided us through various market conditions. Using history as our compass, we have successfully navigated the ups and downs to help our clients consistently achieve their financial goals. TAX SENSITIVITY Fundamental to every investment decision is the tax efficiency of our clients' holdings and accounts. With each client, we seek to maximize tax advantages and minimize their tax liability. RISK CONTROL Our goal is to achieve superior performance with commensurate risk. We look for undervalued investments while upholding a safety-first philosophy. Our process is clearly defined and transparent, so our clients know exactly how their money is invested. INTERESTED IN LEARNING MORE? Let's Chat! Valuable information is waiting for you. Find out how a great financial plan could positively impact your retirement.

How It Works We have developed an efficient and effective way of creating and implementing financial plans. We utilize best-in-class technology and research combined with a collective knowledge of over four decades of experience in the financial services industry to help you manage your wealth. W HAT I S FINANCIAL PLANNING ? Financial planning involves analyzing, developing, implementing, and monitoring financial decisions and integrating a plan into your entire financial picture to help guide you and your family to achieving your short, intermediate, and long-term goals. Generally, financial planning encompasses five branches of knowledge:​ Investment Planning, Retirement Savings & Income Planning, Income Tax Planning, Estate & Legacy Planning, and Insurance & Risk Management Planning STEPS IN THE FINANCIAL PLANNING PROCESS Get To Know You Personally & Understand Where You Are Financially In our initial meeting, we want to discover more about you. To get a better sense of your approach to your financial future, we talk through qualitative and quantitative aspects of your current circumstances to better help us steer you toward financial success. To get started, simply choose a time that works for you. Identify & Structure Goals We like to discuss and review your goals and objectives at the beginning of the planning process. This allows us to prioritize your wants from your needs and craft reasonable, measurable goals and estimates. Analyze Your Current Plan & Assess Room For Alternatives Using your goals as a roadmap, we distinguish the strengths from the areas for improvement in your existing plan. From there, we evaluate solutions that will complement your current strategies and discuss the effects of choosing an alternative course of action. Develop Solutions Hand-Selected For Your Specialized Planning Needs From here, we make prudent decisions together that get you closer to achieving your goals. We help prioritize the timeframe to attain those goals and discern whether plan items need to be implemented independently or in conjunction with one another. Collaborate and Implement Your Financial Plan Identify products and services that best fit your plan. We discuss the basis for those recommendations and weigh various scenarios based on the implications of each decision. Monitor Progress & Update As Needed Adapt the plan over time to meet your modified circumstances as the underlying assumptions of the plan change. As a living document, your plan will need to be monitored at appropriate intervals for your progress and discover new courses of action as your life changes. H AVIN G A F INANCIAL P LAN U LTIMATELY E NABLES Y OU T O... Be confident in your financial decisions, Build better money habits, Track your progress, Reduce doubt and uncertainty surrounding your finances, and Make adjustments to overcome obstacles. The advantage of having a financial plan is that it lays the foundation on which successful investors make measured decisions to help build and protect wealth and achieve their goals. READY TO GET STARTED? Let's Chat! Valuable information is waiting for you. Find out how a great financial plan could positively impact your retirement.

About Us At Holzberg Wealth Management, we strive to provide you with the vital information you need to make safe and profitable financial decisions as we travel together through the uncharted waters ahead. OUR MISSION We work with you to create personalized financial plans to act as a map along your financial journey. At HWM, we provide expert financial planning and investment management services and strive to help individuals and families achieve financial security and independence. We are committed to providing unbiased, transparent, and client-centered services to help you make more informed decisions about your money and reach your financial goals. See How We're Different O U R S TORY Holzberg Wealth Management was founded in 2013 as an independent, family-owned and operated wealth management practice based in Marin County, servicing clients locally in the San Francisco Bay Area and virtually nationwide. ​ A Father-Son Team We bring a special dynamic to our work, and we love what we do. We love meeting new people. We love hearing abo ut their journeys and what led them to us. And we love every opportunity to exp lore and grow with our clients as we walk the path to financ ial freedom together. ​ Growing Together Each new individual and family we meet is an opportunit y for us to positively impact their lives. It brings us great pride and joy that we can help plan unique financial paths so that you can pursue your most fulfilling life. Our clients appreciate the personal touch and meticulous attention to detail we bring to the financial planning process. As Harris says, ​ "Every detail is a whole new world." ​ We are committed to helping you achieve financial success, and we believe this is evidenced in the long-lasting relationships we have with our clients, some of whom have been with us for decades. ​ A Passion for Serving Others Our clien ts value not only our expertise and experience but the genuine care and dedication we give each of them. Our passion for serving others encourages a deep appreciation for what is important in life, resulting in outstanding outcomes for you and your family. P ROUD M EMBERS O F About Harris Harris is a Chartered Financial Consultant® (ChFC®) and Chartered Life Underwriter® (CLU®) at Holzberg Wealth Management. He began his career four decades ago, traveling the country and teaching the securities licensing exams to stockbrokers and supervisors. He has worked at many prestigious firms, including Prudential-Bache, First Union Securities, Wedbush Securities, and The Equitable Life Assurance Society of the United States. Harris has also distinguished himself as an expert witness in domestic and international arbitrations testifying in complex securities litigation. He has also contributed his expertise to help write test questions for the financial advisor licensing exams on behalf of the North American Securities Administrators Association (NASAA). t : 415.891.4046 f : 415.945.8821 e : harris@hwmfa.org Talk to Harris About Marcus Holzberg About Marcus Marcus is a CERTIFIED FINANCIAL PLANNER™ at Holzberg Wealth Management. Before joining the firm, Marcus worked for the private equity and consulting firm AlphaSights in downtown San Francisco. From there, he moved to Manhattan, working in the entertainment industry for Sloss Eckhouse Dasti Haynes LawCo and Cinetic Media. During his time at the firms, he worked across both companies in various advisory capacities, including business and legal affairs, financing, corporate consulting, brand relations, and more. Talk to Marcus t : 415.847.3433 f : 415.945.8821 e : marcus@hwmfa.org

H ELPFUL R ESOURCES F EATURED P OSTS Newsletter Navigating Volatility. What You Need to Know About the Market Right Now. We try to make sense of the confusing state of the markets and discuss events to which we are paying attention. U.S. Reaches the Debt Ceiling Limit. What Is It and How Does It Impact Investing? Newsletter A Year In Review. What Happened in 2022 and What Can We Expect for The Economy in 2023? Newsletter Our Thoughts On Cryptocurrencies and the FTX Bankruptcy. Newsletter B ROWSE A LL I NSIGHTS TOPICS All Posts (10) 10 posts Newsletter (10) 10 posts Investment Planning (10) 10 posts Retirement Planning (1) 1 post Tax Planning (0) 0 posts Estate Planning (0) 0 posts Insurance Planning (0) 0 posts In The Media (0) 0 posts Navigating Volatility. What You Need to Know About the Market Right Now. Newsletter U.S. Reaches the Debt Ceiling Limit. What Is It and How Does It Impact Investing? Newsletter A Year In Review. What Happened in 2022 and What Can We Expect for The Economy in 2023? Newsletter Our Thoughts On Cryptocurrencies and the FTX Bankruptcy. Newsletter How to Invest in a Bear Market. Newsletter 1 2 Want More? Get articles like this delivered directly to your inbox! Sign Up Questions? Find out how we can help! Contact Us

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