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Services for Business Owners

Investment Strategies

Investing your personal wealth.

Whether you are just starting out, diversifying assets or selling your stake in the business, it is important that your personal investment strategy not only generate additional wealth, but also preserve the assets you've worked so hard to accumulate.

With so much financial information readily available, it is becoming increasingly difficult to determine what to invest in, much less when to invest. That's where our experienced advisors come in.

We have developed a selection of financial products and planning services to help you through each stage of your business—and your life. The expertise of our research analysts, the breadth of our product lines and the high level of personalized service our advisors provide combine to offer you financial support and opportunities:

Investments

Stocks:, Timely investment recommendations and in-depth research reports on thousands of companies. Read our Research Reports .

Bonds: We offer enormous depth and variety in our taxable and tax-free bond selection. Read more about our Taxable Bonds or Tax-Exempt Bonds .

Mutual Funds: If you want active, professional portfolio management, you can choose from a selection of premier load and no-load fund families. Read more about Mutual Funds .

Annuities: Both fixed and variable annuities are available. Read more about Annuities .

Managed Accounts

Consulting Group: The pioneer in investment management consulting, Consulting Group offers individual investors a cohesive, long-term investment strategy and personalized money management services traditionally available to institutional clients. Read more about Consulting Group .

TRAK® : A program that provides professional investment advice and ongoing asset allocation using mutual funds as part of a tailored strategy. Read more about TRAK .

Account Services

Planning Services: We can help you plan for your children's education, address estate planning issues and even establish or fund an IRA. We also offer asset allocation advice and ongoing performance monitoring of your portfolio. Read more about Planning Services .

Smithbarney.com: This Web site offers convenience and flexibility by allowing you to review your portfolio, pay bills, access proprietary research reports and trade stocks and mutual funds online.

Lending Services

Securities-based Loans: We offer convenient, low-cost ways to borrow and take advantage of timely opportunities without sacrificing long-term investment strategies. Read more about Securities-based Loans .

Home Loans: Smith Barney Home Loan Program at Citibank offers a broad range of residential mortgages, including up to 100% financing, using your eligible securities in lieu of a cash down payment.

The Consulting Group is a business of Morgan Stanley Smith Barney LLC.

A Morgan Stanley Smith Barney Relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Morgan Stanley Smith Barney Home Loan Program at Citibank. Home equity programs not available in AK. A default (stopping monthly payments) on a mortgage could result in the loss of pledged real estate, securities or both.

Our policy does not permit clients to use the proceeds of a home loan to invest in the securities or related markets. Your advisor may receive compensation in connection with this lending program. Affiliates of Morgan Stanley Smith Barney and/or Citibank may earn fees in connection with the funding, origination and sale of a loan.

All home loans and lines are made by Citibank, N.A. or CitiMortgage, Inc., equal housing lenders, and are subject to Citibank's and CitiMortgage's mortgage qualifications. CitiMortgage does business as Citicorp Mortgage in NM. Citigroup Global Markets Inc., Citibank, N.A., and CitiMortgage, Inc., are subsidiaries of Citigroup Inc.

Insurance products are offered through SBHU Life Agency, Inc.

For more information, please contact your Financial Advisor.

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