Education Planning
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Planning ServicesPlanning for Tomorrow, TodaySmith Barney's Planning Services is a collection of business units that specialize in various areas of financial planning, including retirement planning, education funding, estate planning, insurance services and charitable planning. Personal Financial AnalysisAt Smith Barney, we believe the best way to plan for the future is to assess the present as thoroughly and accurately as possible. That's why your Financial Advisor offers clients complimentary financial analysis on retirement planning, education funding, estate planning, employee stock options, retirement plan distributions, asset allocation and debt management. To learn more about Smith Barney's financial planning services, refer to our Making Plans brochure. College costs are rising. Are you prepared to fund your child's education? With your Financial Advisor you can help clarify your education goals and identify your potential costs. Once you know what your needs are, we can provide you with a variety of education funding options, including 529 College Savings Plans, UGMA/UTMA accounts, trusts and more. Planning for a Comfortable Retirement The hurdles to a secure retirement are well known: inflation, taxes and increased life expectancies, to name a few. But your Financial Advisor can help you create a plan and identify investments aimed at reaching your goals-investments like Traditional IRAs, Roth IRAs and retirement plans for business owners. You can also get help on taking appropriate payout amounts from your retirement accounts while reducing taxes and penalties. Preserving and Transferring Your Wealth Careful estate planning could help ensure that the wealth you worked so hard to accumulate will be preserved and distributed to your heirs according to your wishes. Together with Smith Barney's advanced planning specialists, your Financial Advisor can provide you with a custom analysis that illustrates a broad range of estate planning vehicles and high-net-worth financial planning strategies. Insurance Services for Preserving Your Wealth Smith Barney can help preserve the assets that you have spent years accumulating. We offer life and long term care insurance and can also provide a comprehensive analysis and review of your needs. Through the Citi Trust* affiliated trust companies, we offer a broad range of personal trust features to help meet the needs of individuals and their families. Our Trust Account is a comprehensive financial program that includes the ongoing involvement of your Financial Advisor, access to a wide range of investment management opportunities and administration by an experienced Trust Officer. * Services are provided by one of the following entities: Citibank, N.A.; Citicorp Trust, NA (California); Citicorp Trust, N.A. (Florida); Citicorp Trust South Dakota; Citicorp Trust Bank, fsb; or Smith Barney Corporate Trust Company. The service providers listed above are collectively are referred to as Citigroup Trust and the entities as the "affiliated trust companies." Neither the affliated trust companies nor Citigroup nor its affliates provide tax or legal advice. Please consult your tax or legal advisors for such guidance. Insurance products offered through SBHU Life Agency, Inc. or another insurance agency affiliate licensed in your state. www.citi.com/us/insurance. For more information, please contact your Smith Barney Financial Advisor.  Privacy, Security, Terms and conditions © 2008 Citigroup Global Markets Inc. All rights reserved. Member SIPC. |