Hanes Haber Group at

Transcription

CITI PERSONAL WEALTH MANAGEMENT
Managing Your Wealth,
Growing Our Relationship
INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED · NOT A BANK DEPOSIT
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · NO BANK GUARANTEE · MAY LOSE VALUE
Our Commitment
A Consultative and Long-Term Approach
To help you pursue long-term goals and
respond to changes in your life, we take a
consultative approach to working with you.
To start, we learn about the major life events
you envision for the future, such as planning
for college, weddings, major purchases or
retirement. We then design an appropriate
investment strategy. If market conditions
change, or your own ideas for the future
evolve, we can work with you to adjust your
approach accordingly.
Our goal is to help you keep your financial plan
in sync with where your life is heading.
The Hanes Haber Group
at Citi Personal Wealth Management is committed to providing you with
experienced investment guidance and personal service. We strive to
understand your goals, and then draw on a range of financial strategies to
help you pursue them.
Standing behind these strategies is Citi, a leading global financial institution
for more than 200 years. Citi offers a breadth of sophisticated investment
choices, and our clients may also choose to access the premium banking
services, special recognition and benefits of Citigold®.
Backed by these resources and our collective experience, we help you
manage your needs today and confidently plan for your financial future.
HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENT/1
Meet the Professionals
ROBERT J. HANES CFP®
Director—Wealth Management
Senior Financial Advisor
Robert began his career as a Management
Associate in Citibank’s Executive Training
Program in 1990. He transferred to Citi’s
high net worth client group in 1993 where
he was the first in his training class to
be promoted to Financial Advisor. He is a
founding member of the Hanes Haber Group, which now boasts
seven Financial Advisors and four support staff to best serve
the team’s high net worth clients. Robert is experienced in
various areas of focus that include estate planning, insurance
planning, personal financial planning, fixed income, alternative
investments and asset management. He oversees his team’s
financial planning committee, which is responsible for
developing and implementing retirement, estate and insurance
planning strategies. Robert coordinates and manages the
team’s referral relationships with various trusted colleagues,
including attorneys and CPAs.
Robert was selected as one of Barron’s Top 1,000 Advisors
in 2009.* He was a member of Smith Barney’s Director’s
Council from 2006 to 2009, as well as Citibank’s President’s
Advisory Committee. He received his BS from Iona College
and his MBA from Hofstra University. He completed the
CERTIFIED FINANCIAL PLANNERTM certification program
through New York University and earned his CERTIFIED
FINANCIAL PLANNERTM certification in 1998. He holds the
Series 7, 63 and 65 securities licenses, and is New York Life
and Health Insurance licensed. In addition, Robert also offers
his knowledge and experience on a voluntary basis to those in
need of financial advice.
JOSH M. HABER CFP®
Director—Wealth Management
Senior Financial Advisor
Josh joined Citibank’s high net worth
platform, Citigold, in 1999. He co-founded
the Hanes Haber Group with partner
Robert Hanes in 2004. It was Josh’s vision
to build a team of financial advisors with
different core competencies to best serve
their clients’ needs. The team was developed with a core focus
on financial planning and custom asset management for high
net worth individuals and their families.
Josh took his business acumen and knowledge to the next level
by attaining the CERTIFIED FINANCIAL PLANNERTM certification
in 2005. As a CERTIFIED FINANCIAL PLANNERTM professional,
Josh can focus his attention on complex, detailed retirement
and estate planning. Josh overseas the team’s investment
committee, which conducts ongoing portfolio analysis, strategy
creation, and coordination of the team’s selected asset
managers. He is also responsible for the team’s 401(k) business
and engages with business owners to help them create and
implement the most appropriate investing platform.
Josh was ranked the #6 Financial Advisor in the country in
the Bank Investment Consultant 2013 rankings. Josh has also
received the Five Star Wealth Management Award in 2012,
2013 and 2014.* He received his undergraduate degree in
Management from Quinnipiac University. Josh and his family
live in Westchester. He is the proud father of three children and
enjoys skiing, fishing and travelling to new places. He holds the
7, 63, 65, and Life and Health Licenses.
Robert resides on Long Island with his wife and their two
daughters. He enjoys spending time with his family, playing
sports, traveling, and has also been actively involved in
coaching little league for over ten years. He is a member
of the Long Island Financial Planning Association.
*Barron’s rankings reflect assets under management, revenue
generated for the firm, quality of service and regulatory records.
HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENT
*Five Star Award selection criteria includes client satisfaction, as
measured by retention rate, assets, number of households served,
and education and professional designations.
ADAM WOOD, CFA
Vice President—Wealth Management
Financial Advisor
SUNKUL SONI
First Vice President—Wealth Management
Financial Advisor
Adam has over ten years of experience
in the financial services industry ranging
from investment banking to advisory
services. He has been a holder of the
right to use the Chartered Financial
Analyst® designation since 2010, and is
one of a handful of Citi advisors to hold this title. He earned
his undergraduate degree in Finance from Loyola College in
Maryland in 2003, and later completed his MBA in Finance at
Fordham University in 2007. As a member of the Hanes Haber
Group investment committee, he is active in designing optimal
asset allocation strategies for clients as well as conducting
portfolio and market analysis.
Sunkul joined Citigold and the Hanes
Haber Group in 2006. He is experienced
in various areas of focus that include
asset management, business development
and alternative investments. He leads
the team’s Alternative Investment and
Structured Products research and is also a member of the
Hanes Haber Group’s investment committee, which conducts
ongoing portfolio analysis, strategy creation and coordination
of the team’s selected asset managers. Sunkul received his BS
from Stonybrook University and his MBA from the Stern School
of Business at NYU. He holds the Series 7, 63 and 65 securities
licenses, and the New York Life and Health Insurance license.
Adam enjoys sporting activities, travelling, and spending
time in Central Park. He resides in Westchester, with his wife,
daughter and son.
Sunkul resides in Manhattan with his wife. They enjoy spending
their time traveling. He also enjoys spending his time training
for various marathons and triathlons throughout New York.
In 2009, he began a nonprofit organization called A.G.E.
India, Advancing Girls’ Education in India. The organization
focuses on fund raising and providing educational resources to
underprivileged students and schools throughout India.
ROBERT LATERZA
Vice President—Wealth Management
Financial Advisor
As a Financial Planning Specialist with the
Hanes Haber Group, Bob primarily works
with high net worth individuals, highly
affluent families and small- to mediumsized businesses. As part of his focus
on working with businesses, he has also
developed knowledge in retirement plans and the participant
education process.
Bob was born and raised in the New York metro area and
graduated from Villanova University. He has more than 30
years of experience in the financial services field with several
Fortune 500 companies.
Bob and his wife have enjoyed 25 years of living in the suburbs
of New Jersey. They both enjoy spending time with their
children and grandchildren. Bob enjoys travel, golf and sports
and is active in his church.
DENNIS LEE, CFA
Senior Vice President—Wealth
Management
Financial Advisor
Dennis has over 15 years of experience
in providing comprehensive wealth
management and financial planning
services to high net worth individuals and
families. Dennis is skilled in designing
customized financial strategies including personalized asset
allocation strategies designed to balance risk and return.
Dennis joined Citigroup in December 2008 and spent a great
portion of his career at other leading investment firms. Dennis
received his BS from Sacred Heart University and his MBA
from the Zicklin School of Business at Baruch College, and has
been a CFA® charterholder since 2012. He is Series 7, 66 and
New York Life and Health Insurance licensed. Dennis lives in
Bayside, New York with his wife and two daughters. He enjoys
playing golf in his free time.
PATRICK ERRICO
Financial Advisor
Patrick joined the Hanes Haber Group in
January 2013. Having previously worked
with institutional trading teams, Patrick
is well-versed in both fixed income and
equity products and strategies. He also
has extensive experience in various areas
that include risk management, business
development and capital markets syndicate business.
Patrick is an active member of the team’s investment committee,
which conducts ongoing portfolio analysis, strategy creation,
and coordination of the team’s selected asset managers, as well
as the team’s service committee, which focuses on creating
and developing a streamlined client service standard across the
team. Patrick received his BS from Rutgers University, where he
was a scholar athlete as a member of the football program. He
holds Series 7 and 63 securities licenses.
Patrick resides in Manhattan with his wife and in his spare time
enjoys traveling, fishing and sports.
VICTORIA LOPEZ
Registered Client Service Associate
Victoria joined Citigroup in 2007. With a
strong background in operational support,
Victoria assists clients with banking and
service-related issues. She supports the
day-to-day functionality of the team
and is responsible for handling all client
service needs including wires, checks
and other ad-hoc client inquires. She is also an active member
on the team’s service committee which focuses on creating
and developing a streamlined client service standard across
the team.
Victoria currently resides in the Bronx with her fiancé. She
enjoys cooking, reading and spending time with her family.
BRETT FELDMAN
Brett joined the Hanes Haber Group in
May of 2014, having previously worked
as an analyst for the Alternatives
Investments Unit for Citi Private Bank.
As an active member of the team’s
investment committee, Brett helps to
evaluate the various asset managers and works with the
advisors to develop strategies for clients. He also oversees
the client service committee, which focuses on developing a
streamlined client service standard across the team as well as
communicating with clients on a daily basis. Brett received his
BA in Economics from the University of Miami. He currently
holds his Series 7 and 66 securities licenses.
Brett resides in Manhattan and enjoys playing soccer, tennis
and guitar in his spare time.
MICHAEL MALLOY
Michael joined Citigroup in August of 2014
and holds the series 7 and 66 securities
licenses. He is a graduate of The Smeal
College of Business at The Pennsylvania
State University.
He provides assistance with all service
requests for the Hanes Haber team, including operational
support, account maintenance and fund transfers. Additionally,
he is an active member on the team’s service committee which
focuses on creating and developing a streamlined client service
standard across the team.
Michael resides in Hoboken and enjoys spending time with
family, traveling and reading.
ANCHAL RANA
Client Service Associate
Anchal joined Citi in January 2015 and is
the newest member of the Hanes Haber
team. She attended Adelphi University
for her BA in Psychology. As a part of
Hanes Haber group, Anchal provides
administrative and operational support
to Robert Hanes and Josh Haber. She
communicates daily with clients to address service needs
and account maintenance issues. Anchal resides in Bellerose,
Queens with her family and is preparing for the series 7 and
66. Anchal enjoys working out, playing tennis ,spending time
with her family and cooking.
How We Work
With You
Professionalism, Accountability and
Understanding
Our aim is to earn your trust and
build a long-term relationship. An
important part of this effort is to
help you strive for your goals while
preserving what you’ve built.
With that in mind, we’re committed to
meeting with you regularly, informing
you of any significant developments
in your portfolio and discussing any
changes that may be prudent to make.
The goal is to help you anticipate
and adapt to change as you pursue
your financial goals today and in the
years ahead.
Our Approach
Before we recommend any specific investments, we take time
to learn about you, your goals and how you’d like to achieve
them. Here is the process we typically follow:
Step 1. Setting Your Financial Objectives
We start by asking questions. We’ll ask about your life — the
things you’d like to achieve. We’ll ask about your current
financial resources and liabilities, and determine your risk
tolerance profile. And even more important, we’ll listen.
Step 2. Developing Your Wealth Management Strategy
Based on our conversation, we’ll recommend a strategy
that aligns with your tolerance for risk and investment time
horizon. We also may make recommendations in areas such as
income and retirement planning, asset protection, investment
management, strategic borrowing and wealth transfer.
Step 3. Implementing Your Plan
Once we’ve created an investment strategy, and discussed
it with you in detail, we can work with you to implement
it. If your strategy would benefit from outside legal, tax or
accounting advice, we can work with the other professionals
you work with in those areas.
Step 4. Reviewing Your Performance
If your personal situation or market conditions change
significantly, we can recommend adjustments to your
investment strategy to help you stay on course. We can
monitor your portfolio’s performance and meet with you
regularly to discuss matters in depth.
Smart Planning
At Citi Personal Wealth Management we use a comprehensive
process called Citi ClaritySM to learn about your goals and
begin building momentum toward achieving them. Based
on what you tell us during this exclusive process, we draft a
complimentary financial plan that includes:
• Net worth statement: We prepare an inventory of your
assets and liabilities to assess your net worth.
• Retirement analysis: We identify sources of income and
calculate how much you may need to meet your projected
lifestyle needs.
• Asset allocation: We see how your assets might work
together more effectively, then recommend investment
strategies based on your goals, risk tolerance and time
horizon.
• Education funding: If you have education funding goals
for children or grandchildren, we estimate the future cost
of education, recommend strategies for saving and illustrate
the potential growth you might achieve through various
savings vehicles.
• Planning for the unexpected: We help determine an
appropriate level of insurance coverage, reviewing your
life, disability and long-term care policies.
• Estate planning: We review the current and projected value
of your assets, and then provide estate tax information. We
work with estate attorneys in providing strategies to help
manage those taxes, such as lifetime gifting, titling assets
properly and creating trusts.
Investment Advisory Programs
Holistic Approach
When you take advantage of our Investment Advisory
Programs, you receive customized advice on asset allocation,
extensive investment-advisor research, automatic portfolio
rebalancing, ongoing monitoring and reports on portfolio
performance. These programs feature services including:
To truly be of value, financial advice should help you manage
your wealth, not merely your investments. By taking a broader
approach, we help you identify the goals most important to
you, and then suggest steps to achieve them. We look at your
assets and liabilities, your account statements and estate plan,
your lifestyle and any risks to that lifestyle. We then create a
comprehensive wealth management plan that addresses:
• Office of the Chief Investment Officer: The Office of the
CIO’s team of investment professionals develops assetallocation recommendations and analyzes capital markets.
• Investment Research: This team of analysts researches
and evaluates hundreds of separate-account, mutual fund
and alternative-investment managers.
• Separately Managed Accounts: A helpful synopsis of
research reports on hundreds of separately managed
account products.
• Citi Managed Mutual Funds: Ongoing mutual fund research
and analysis, professional asset-allocation recommendations,
detailed quarterly performance reviews (see important
information about mutual funds on back).
• Portfolio Management Program: Allows tailoring and
management of portfolios focused on fixed income, equity
and balanced strategies, and features active portfolio
management, ongoing monitoring and performance
reporting.
• Citi Advisor: This fee-based, non-discretionary investmentadvisory service continually monitors your asset allocation.
• Alternative Investments: Access to a diverse range of
alternative investment vehicles, such as private equity,
hedge funds and real estate.
• Income and cash flow: We take a close look at how you
want to use your money, assessing your assets and liabilities.
We create a strategy to provide the income you’ll need,
when you need it.
• Borrowing: Borrowing strategically can help you fund
a large expense, or provide a safety net if you’re faced
with an unplanned liability. We help you access loans to
provide funds while considering your overarching
investment strategy.
• Asset protection: By understanding your complete
financial picture, we work with you and your other financial
professionals to assess potential threats and help you
prepare for things like taxes, inflation, volatility, creditors,
law suits and identify theft.
• Wealth transfer: Working with you and your tax and legal
experts, we determine the cash flow needed to preserve
your lifestyle, what you want to pass to the next generation
and the causes you care about. We weave this information
into a comprehensive plan that may include ideas for trusts
and estate planning, charitable giving, business succession
and funding for estate taxes.
• Investment management: Based on your financial situation,
we calculate the returns it will take to achieve your
investment goals, then we craft a program designed to
help you reach these goals.
• Business strategies: If you own a business, we can provide
financing options and capital structures to support your
growth objectives, advise you on debt structures and cash
management, as well as help design a retirement and
exit strategy.
Contact us
Robert J. Hanes, CFP®
601 Lexington Avenue, 15th Floor
New York, NY 10022
P 212.559.5569
F 347.394.0986
e [email protected]
Dennis Lee, CFA
1748 Broadway
New York, NY 10019
P 212.489.3246
F 347.394.0939
e [email protected]
Brett S. Feldman
New York, NY 10022
P 212.559.6259
F 347.809.6847
e [email protected]
Josh M. Haber, CFP®
New York, NY 10022
P 212.559.5553
F 347.394.0932
e [email protected]
Robert Laterza
New York, NY 10022
P 212.559-5691
F 347.394.0985
e [email protected]
Anchal Rana
New York, NY 10022
P 212.559.1419
F 347.767.2685
e [email protected]
Sunkul Soni
399 Park Avenue
New York, NY 10022
P 212.559.7330, toll-free 888.248.4465
F 347.394.0920
e [email protected]
Victoria Lopez
New York, NY 10022
P 212.559.4645
F 347.394.0911
e [email protected]
Mike Malloy
New York, NY 10022
P 212.559.6860
F 646.291.5120
e [email protected]
Adam Wood, CFA
460 Park Avenue
New York, NY 10022
P 212.223.5631
F 347.394.0927
e [email protected]
Patrick Errico
New York, NY 10022
P 212.559.6261
F 347.537.4282
e [email protected]
New York, NY 10022
advisor.citi.com/thehaneshabergroup
Terms, conditions and fees for accounts, products, programs and services are subject to change.
Diversification does not guarantee a profit, or protect against loss.
There is no guarantee that these strategies will succeed or obtain their objectives. Investment results may vary. The investment strategies
presented are not appropriate for every investor. Individuals should review the terms and conditions and risks involved with specific products and
services. Investments are subject to market fluctuation, investment risk, and possible loss of principal.
Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters,
it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such
taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.
Since life insurance, disability insurance, and long-term care insurance are medically underwritten, you should not cancel your current policy until
your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy may require a medical exam. Your actual
premiums may vary from any initial quotation you receive. Surrender charges may be imposed, and the period of time for which the surrender
charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.
Alternative investments can be highly illiquid, are speculative, are not suitable for all clients, are intended for experienced and sophisticated
investors who are willing to bear the high economic risks of the investment, which can include: loss of all or a substantial portion of the capital
invested due to leveraging, short-selling or other speculative investment practices; lack of liquidity in that there may be no secondary market for the
Portfolio and none expected to develop; volatility of returns; restrictions on transferring shares/interests in the Portfolio; absence of information
regarding valuations and pricing; lack of diversification and concentration of risk due to a single manager; delays in tax reporting; less regulation
and higher fees than mutual funds; and advisor risk. Investors should carefully review and consider potential risks before investing.
Citigold provides clients access to enhanced levels of services and benefits from Citibank, N.A. (“Citibank”) and its affiliates in the U.S. Citibank
provides banking and lending services, including the Citigold Account package. Citi Personal Wealth Management, a business of Citigroup Inc., offers
investment products through Citigroup Global Markets Inc. (“CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products.
In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citigold Relationship Managers and Private
Client Relationship Managers are employees of Citibank, N.A. and are employees and registered representatives of CGMI. Citibank, CGMI and CLA are
affiliated companies under the common control of Citigroup Inc. Citi Private Bank is a business of Citigroup Inc.
Citibank, N.A. Equal Housing Lender NMLS #412915.
Citi, Citi Clarity, Citi with Arc Design and Citigold are registered service marks of Citigroup Inc.
© 2015 Citigroup, Inc.
1309111-A 06/15

Hanes Haber Group at

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