We’ve worked with Intelligent Capitalworks for the past ten years and have been very pleased with the relationship. From the beginning, their team invested significant time helping us understand our financial picture and developing a comprehensive plan before implementing any recommendations. That thoughtful process gave us great confidence in their approach. Over the years they’ve helped us with many aspects of our financial life, including investment management, financial planning, retirement planning, tax considerations, and estate planning coordination with our attorney. We especially value our periodic meetings with our ICW Team to review our life circumstances, which helps ensure that we remain on the right financial track. Their fee-only structure and fiduciary commitment are clearly aligned with our interest. ICW has been knowledgeable, responsive, and a trusted partner in helping us manage and plan for our financial future.

My husband and I began our financial relationship with ICW in 2021 after a close and trusted friend recommended the firm. From the very start we were very impressed with the level of care and attention they provided. After they familiarized themselves with our goals, and desires, they proceeded to accumulate the necessary information in great detail. They also offered us to take a risk tolerance test so to assess if a how realistic our goal of financial security and independence were. We also have peace of mind that our private information is safe and secure with ICW, as they practice cybersecurity awareness to secure and protect their client’s privacy. This firm is a professional fee only, no commissions from product sales, which means they have your benefit at heart, not theirs. They are committed to provide us a comprehensive wealth management plan. They are always ready and willing to meet with us to accomplish our financial goals. We highly recommend this firm for securing your financial future.

Don and Carol E. met Vince Rossi in 1995. He was teaching a class on how to become a better manager of your assets, sponsored by the University of Arizona. Don planned to retire in the near future and wanted to have a better understanding of investing for retirement. Through Vince, we learned things to avoid and things to look for. We became his clients and appreciated his fiduciary attitude. We followed him when he formed his own company, Intelligent Capitalworks (ICW) and legalized the fiduciary relationship. He has filled his company with knowledgeable and capable people. They never dodge questions. They answered them. If the knowledge was not on hand, they dug in and found it. They have the required certifications. They stay up to date with their knowledge. When asked for a recommendation for a financial advisor, we recommend ICW without hesitation. As a result, our two daughters, their husbands, and our four adult grandchildren, as well as the children of my sister are all clients of ICW.

We have known Mr. Vincent Rossi and his company for nearly 30 years and have been clients during this time. My introduction to Mr. Rossi was through educational courses he conducted on the subjects of investing, wealth accumulation, stock and bond markets, investment funds, risk assessment, and time. At the time I attended Vince’s classes, I had been regularly contributing the maximum amount into a qualified plan (Keogh Plan). There was a significant nest egg but I knew that I had little understanding about investing nor a clue on how much wealth accumulation we would need to provide for us in our retirement years. His course confirmed my ignorance in all these areas. I did not conclude the course ready to be an investor but now had a much better understanding of the objectives of a well-structured plan of investing and wealth accumulation for a future time of need to be able to replace my working income with investments and funding. Some of the most important facets of investing and wealth accumulation I learned from Mr. Rossi were: Always remain in the market. Market timing is impossible to predict and more likely that you will miss with significant surges when they occur, as their duration can be short. Make and follow a plan to regularly contribute to your yearly goals. You need a long time horizon to have predictable growth 20 years or more. Don’t get rattled with the down cycles, continue to contribute to your goals. Check and rebalance the investments but never leave the market. You will never recapture what you lost in time being out of the market. When you have a long term time horizon for investing and wealth accumulation, time is on your side to be successful, meaning, start the process of investing and wealth accumulation early in your working career. Don’t wait until you feel that you have “extra money” to contribute. When time is against you to grow your wealth, it is always against you. You can’t compensate for time. Be patient with the process and work the investment and contribution strategy that has been developed for you. As Vince has told me, the first million is the hardest to achieve, but after that with compounding you will accelerate the growth of your wealth. Our strategy was value and capital gains, owing great companies that also spin off dividends to reinvest, and compound growth. Diversification over various types of industry classifications and knowing that we can’t always get the best results in each group but collectively the growing equity helped compensate for some of the lesser performers at time. ICW is more than an investment firm for their clients. They act as a fiduciary and help immensely with estate planning, tax mitigation, insurance, and risk management. In other words, they are a comprehensive guidance to their clients’ financial needs now and for the rest of their lives. We are now in the drawdown years with our investments to support our lifestyle in the same manner as during our working years, but with time for ourselves. No matter how bumpy the markets may be in the future, we will remain financially secure because of the plan that we instituted many years ago and continue to manage our financial affairs. What I can say in conclusion is that we have been blessed in our relationship with Vince Rossi, ICW, and his great and competent staff. Thirty years ago Mr. Rossi through a series of lectures helped me better understand the field of markets, risk, investing, wealth accumulation, and time. I was at least smart enough to realize that I did not possess the knowledge, skills and planning to accomplish financial freedom and security for ourselves. Trial and error, guessing, hoping, asking friends, or reading some articles or books was not the path to take. Retaining Vince Rossi and his company, ICW, was the best decision we could have made. For those of you old enough to remember, in Clint Eastwood/“Dirty Harry” movies, his famous remark was “MAN’S GOT TO KNOW HIS LIMITS!” Fortunately I knew mine early on

We have worked with Vince Rossi and his team at Intelligent Capitalworks for over 17 years. The entire ICW team has a commitment to fiduciary standards in helping us reach our goals in many areas such as: financial education and planning, tax planning, trust and estate planning, retirement planning, portfolio construction and management. At in-person meetings they explain how their strategy will help us achieve our financial goals through the use of professional investment software. For financial success we recommend Intelligent Capitalworks.

Over a decade ago we began our search for a trusted financial advisor. It was a very laborious task and we took the process very serious. Our goal was to find an advisor who would provide personalized treatment, understand where we came from, who we are now, and where we want to be in the future. Additionally, it was essential that the advisor always look out for our best interest, and serve as our unbiased, ethical fiduciary that are paid a professional fee and not on the commissions of product sales. During the lengthy process we were fortunate to find ICW and for more than a 10 years we have worked directly with Vince, Charles, Michael, Monique, and others. I can unequivocally state that they have earned our confidence and trust. From the very start, it was clear that our personal dreams and desires were the driving force and always at the center of our comprehensive wealth management plan. The Team spent many hours getting to know us well beyond our finances. They effortlessly developed a personal relationship that was integrated into specific and valuable financial guidance which made sense to us as individuals. The Team provided ongoing sincere and honest advice and guidance that was always based on our solid plan. They continually ask the right questions, process our answers, and respond without judgement. In other words, our lack of financial acumen was never looked down upon, but instead, gave the Team the opportunity to educate us and provide information to ensure our understanding and comfort in the process. As business owners in our own professional field of expertise, we cannot be fully accomplished nor skilled in all sectors. Therefore, we have a strong commitment to finding “big brains” or the best-in-class advisors to support us. The ICW Team has successfully filled the role of our Comprehensive Wealth Management Advisor. Not only is the Team qualified by having the most current education, training, and up-to-date certifications, they are able to expertly leverage technology to personally engage us throughout our wealth journey. The integration of regular in-person meetings and calls provides us with personalized, real-world guidance and education that gives us the information at whatever depth we ask. Worth noting is the amazing breadth of knowledge and experience that is highly evident in these meetings, which provides us with stability and confidence in the entire process. Moreover, the wide range of financial support they provide includes valuable, unbiased referrals of other “big brains” needed to strengthen our business financial success. These advisors have been in areas of estate planning, retirement plan management, accounting, insurance, etc. Overall the ICW Team has far exceeded our expectations and we highly recommend them as a trusted fiduciary based financial wealth advisor.

I have been working with Intelligent Capital Works (ICW) for over three years and have been extremely pleased with the experience. I have always felt confident that they have my best interests at heart, and I appreciate that I never feel rushed—whether meeting in person, on Zoom, or by phone. ICW is very thorough when explaining and discussing my financial plan, as well as other concerns such as estate and healthcare planning. They take the time to ensure I fully understand every aspect. Whenever I have questions, I don’t hesitate to call or email—they always respond quickly and take the time to research the topic I’m asking about, whether it’s a new tax law or an unplanned expense I’m considering. I’m consistently impressed by how attentive and genuinely interested everyone at ICW is in our lives. I’ve never felt like just a number; instead, I feel truly cared for and looked out for. I’m very pleased with the results I’ve experienced so far and truly appreciate working with a fiduciary who is not selling commission-based products. Their commitment to continuing education is evident, and they are always willing to explain their processes—or talk me off the ledge when I become concerned about national or global events. I’m also impressed with their planning dashboards and the reporting software, which I can access at any time. ICW has helped structure my retirement income with careful attention to tax planning, they have reviewed our estate planning documents and made important recommendations. ICW also met with my son to educate him on the importance of saving for his retirement. They always work professionally and keep security top of mind. I really couldn’t be more pleased with ICW. My partner has been so impressed with the work they’ve done for me that he also signed on with ICW. I don’t often write reviews, but I didn’t hesitate in this case because I’m genuinely happy with both the work they do and how they do it. The only thing I regret is not starting with them earlier in my life—I waited until retirement to begin this planning, but it has been a great relationship from the start.

My partner Mark and I have been clients of Intelligent Capitalworks since late 2019/early 2020, and over that time they have become one of the most trusted and steady influences in our financial lives. Their leadership, stability, and deep commitment to education have guided us through nearly every major financial milestone — including my transition into early retirement at age 52 after a long, demanding career in high tech. One of the most important qualities of this firm is the depth and breadth of client education they provide. Long before implementing any changes, they took the time to help us understand what an integrated wealth plan looks like, how to structure for long-term security, and how to plan realistically for early retirement. They helped us model different retirement ages, reviewed our cash flow needs in detail, and walked us through risk-tolerance surveys to understand both my and my partner’s comfort levels. We’ve discussed everything from cash flow planning, to liquidity, to structuring our estate and home inside a trust, to planning for future healthcare needs with early retirement. Their explanations are clear, patient, and empowering — I always feel confident in the decisions we make together. Their guidance was invaluable during stressful periods, including the market downturn during Covid. They talked me through the fear and helped me stay focused on long-term planning rather than reacting emotionally. That calm, steady approach made a lasting impact on my confidence as an investor. Our meetings have evolved over the years. While I was working, we typically met over Zoom due to my schedule, but now that I’m retired we genuinely enjoy visiting their office. We meet formally twice per year, but they have always made themselves available whenever I need them — especially during this recent retirement transition. They’ve met with us multiple times in a single month to help move my 401(k), establish the right payout cadence for our living expenses, evaluate the cash we need for long-delayed home improvements, and restructure our allocation to support retirement goals. When I’ve needed guidance on tax withholding, donor-advised funds, or timing stock sales, they’ve responded quickly and thoroughly. We benefit from a fully integrated wealth management plan, including retirement planning, tax planning, risk and insurance review, estate and trust planning, cash-flow planning, and full investment management. They introduced us to an excellent estate planning attorney, and everything we own is now properly structured within our trust. They also help us think through healthcare options for early retirement, which I’ve greatly appreciated. Their six-person team is exceptional. Vince, his son Charlie, and his nephew Michael are the advisors we work with most closely, and each brings deep knowledge, experience, and reassurance. Monique keeps everything organized and running smoothly — she is friendly, patient, and incredibly efficient. The whole team is collaborative and responsive, especially during major life transitions. I always feel supported and understood. Their technology and reporting tools are robust and easy to use. I can see all our accounts in one consolidated view, the reports are clear and detailed, and their planning software is excellent for evaluating tradeoffs (for example, comparing different stock allocations and their implications on long-term risk and projected portfolio outcomes). Their secure document portal adds another layer of safety, and I’ve always felt that they take cybersecurity and client protection seriously. The firm’s culture is thoughtful, educational, client-first, and rooted in fiduciary duty. It also matters greatly to me that they are a fee-only firm — no commissions, no sales pressure. I trust completely that their advice is aligned with our best interests. After more than five years with Intelligent Capitalworks, I can say that their combination of professionalism, education, responsiveness, and genuine care is rare. I have full confidence in the team and in the plan we’ve built together. I highly recommend them to anyone seeking a comprehensive, trustworthy wealth management partner.

I was introduced to ICWIA around 2012. I had been dealing with closing my mother’s estate and selling her home. Her portfolio was not working effectively. I needed professional help. I was quite skeptical of letting someone have control of the money. I had to be willing to listen and see what they had to say. If my memory serves me right, we had about three meetings before they put a plan together. It was an education for both of us. They were learning about my world, and I was learning about what they do. I had a job at the time where my salary wasn’t near what I would now be in control of. I reassured them that I had been aware of what was coming upon my mother’s death. She made sure I was aware of the situation. But nothing can prepare you until you take it into your hands. Once I felt comfortable with the staff and their plan my anxiety was lessened. Since then, I have been extremely happy with their results. I don’t need an aggressive portfolio but one that is in the middle of the road. They have achieved very good results. I am very happy with the entire experience. They stay informed of the market and the trends. Their computer software and security steps are outstanding. As changes have happened in my world or items they think I should be made aware of, there have been discussions. Several years ago, we established an account to help with tax deferral and retirement. It has been handled very well. Overall, I have been very fortunate to have been one of their clients. Gabby B

ICW has provided the following services for me for 2.5 years: • integrated family wealth management plan • financial/investment education • financial planning • cash flow planning • cash and liquidity management • retirement planning • tax planning • portfolio construction • investment management The service I have received has exceeded my expectations on all dimensions: • Portfolio strategy and construction • Integrated financial planning including investments, risk, cash flow, tax, insurance, and estate planning implications • Investment education • Online client tools and visibility • Client service responsiveness • Security • Professionalism, courtesy, and personal attention I recommend ICW to anyone looking for a long-term advisor that they can count on to anticipate and meet their needs.