Hanes Haber Group At - Citi
Hanes Haber Group atCITI PERSONAL WEALTH MANAGEMENTManaging Your Wealth,Growing Our RelationshipINVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED · NOT A BANK DEPOSITNOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · NO BANK GUARANTEE · MAY LOSE VALUE
Our CommitmentA Consultative and Long-Term ApproachTo help you pursue long-term goals andrespond to changes in your life, we take aconsultative approach to working with you.To start, we learn about the major life eventsyou envision for the future, such as planningfor college, weddings, major purchases orretirement. We then design an appropriateinvestment strategy. If market conditionschange, or your own ideas for the futureevolve, we can work with you to adjust yourapproach accordingly.Our goal is to help you keep your financial planin sync with where your life is heading.
The Hanes Haber Groupat Citi Personal Wealth Management is committed to providing you withexperienced investment guidance and personal service. We strive tounderstand your goals, and then draw on a range of financial strategies tohelp you pursue them.Standing behind these strategies is Citi, a leading global financial institutionfor more than 200 years. Citi offers a breadth of sophisticated investmentchoices, and our clients may also choose to access the premium bankingservices, special recognition and benefits of Citigold .Backed by these resources and our collective experience, we help youmanage your needs today and confidently plan for your financial future.HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENT/1
Meet the ProfessionalsROBERT J. HANES CFP Director—Wealth ManagementSenior Financial AdvisorRobert began his career as a ManagementAssociate in Citibank’s Executive TrainingProgram in 1990. He transferred to Citi’shigh net worth client group in 1993 wherehe was the first in his training class tobe promoted to Financial Advisor. He is afounding member of the Hanes Haber Group, which now boastsseven Financial Advisors and four support staff to best servethe team’s high net worth clients. Robert is experienced invarious areas of focus that include estate planning, insuranceplanning, personal financial planning, fixed income, alternativeinvestments and asset management. He oversees his team’sfinancial planning committee, which is responsible fordeveloping and implementing retirement, estate and insuranceplanning strategies. Robert coordinates and manages theteam’s referral relationships with various trusted colleagues,including attorneys and CPAs.Robert was selected as one of Barron’s Top 1,000 Advisorsin 2009.* He was a member of Smith Barney’s Director’sCouncil from 2006 to 2009, as well as Citibank’s President’sAdvisory Committee. He received his BS from Iona Collegeand his MBA from Hofstra University. He completed theCERTIFIED FINANCIAL PLANNERTM certification programthrough New York University and earned his CERTIFIEDFINANCIAL PLANNERTM certification in 1998. He holds theSeries 7, 63 and 65 securities licenses, and is New York Lifeand Health Insurance licensed. In addition, Robert also offershis knowledge and experience on a voluntary basis to those inneed of financial advice.JOSH M. HABER CFP Director—Wealth ManagementSenior Financial AdvisorJosh joined Citibank’s high net worthplatform, Citigold, in 1999. He co-foundedthe Hanes Haber Group with partnerRobert Hanes in 2004. It was Josh’s visionto build a team of financial advisors withdifferent core competencies to best servetheir clients’ needs. The team was developed with a core focuson financial planning and custom asset management for highnet worth individuals and their families.Josh took his business acumen and knowledge to the next levelby attaining the CERTIFIED FINANCIAL PLANNERTM certificationin 2005. As a CERTIFIED FINANCIAL PLANNERTM professional,Josh can focus his attention on complex, detailed retirementand estate planning. Josh overseas the team’s investmentcommittee, which conducts ongoing portfolio analysis, strategycreation, and coordination of the team’s selected assetmanagers. He is also responsible for the team’s 401(k) businessand engages with business owners to help them create andimplement the most appropriate investing platform.Josh was ranked the #6 Financial Advisor in the country inthe Bank Investment Consultant 2013 rankings. Josh has alsoreceived the Five Star Wealth Management Award in 2012,2013 and 2014.* He received his undergraduate degree inManagement from Quinnipiac University. Josh and his familylive in Westchester. He is the proud father of three children andenjoys skiing, fishing and travelling to new places. He holds the7, 63, 65, and Life and Health Licenses.Robert resides on Long Island with his wife and their twodaughters. He enjoys spending time with his family, playingsports, traveling, and has also been actively involved incoaching little league for over ten years. He is a memberof the Long Island Financial Planning Association.* Barron’s rankings reflect assets under management, revenuegenerated 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, asmeasured by retention rate, assets, number of households served,and education and professional designations.
ADAM WOOD, CFAVice President—Wealth ManagementFinancial AdvisorSUNKUL SONIFirst Vice President—Wealth ManagementFinancial AdvisorAdam has over ten years of experiencein the financial services industry rangingfrom investment banking to advisoryservices. He has been a holder of theright to use the Chartered FinancialAnalyst designation since 2010, and isone of a handful of Citi advisors to hold this title. He earnedhis undergraduate degree in Finance from Loyola College inMaryland in 2003, and later completed his MBA in Finance atFordham University in 2007. As a member of the Hanes HaberGroup investment committee, he is active in designing optimalasset allocation strategies for clients as well as conductingportfolio and market analysis.Sunkul joined Citigold and the HanesHaber Group in 2006. He is experiencedin various areas of focus that includeasset management, business developmentand alternative investments. He leadsthe team’s Alternative Investment andStructured Products research and is also a member of theHanes Haber Group’s investment committee, which conductsongoing portfolio analysis, strategy creation and coordinationof the team’s selected asset managers. Sunkul received his BSfrom Stonybrook University and his MBA from the Stern Schoolof Business at NYU. He holds the Series 7, 63 and 65 securitieslicenses, and the New York Life and Health Insurance license.Adam enjoys sporting activities, travelling, and spendingtime in Central Park. He resides in Westchester, with his wife,daughter and son.Sunkul resides in Manhattan with his wife. They enjoy spendingtheir time traveling. He also enjoys spending his time trainingfor 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 organizationfocuses on fund raising and providing educational resources tounderprivileged students and schools throughout India.ROBERT LATERZAVice President—Wealth ManagementFinancial AdvisorAs a Financial Planning Specialist with theHanes Haber Group, Bob primarily workswith high net worth individuals, highlyaffluent families and small- to mediumsized businesses. As part of his focuson working with businesses, he has alsodeveloped knowledge in retirement plans and the participanteducation process.Bob was born and raised in the New York metro area andgraduated from Villanova University. He has more than 30years of experience in the financial services field with severalFortune 500 companies.Bob and his wife have enjoyed 25 years of living in the suburbsof New Jersey. They both enjoy spending time with theirchildren and grandchildren. Bob enjoys travel, golf and sportsand is active in his church.HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENT/3
DENNIS LEE, CFASenior Vice President—WealthManagementFinancial AdvisorDennis has over 15 years of experiencein providing comprehensive wealthmanagement and financial planningservices to high net worth individuals andfamilies. Dennis is skilled in designingcustomized financial strategies including personalized assetallocation strategies designed to balance risk and return.Dennis joined Citigroup in December 2008 and spent a greatportion of his career at other leading investment firms. Dennisreceived his BS from Sacred Heart University and his MBAfrom the Zicklin School of Business at Baruch College, and hasbeen a CFA charterholder since 2012. He is Series 7, 66 andNew York Life and Health Insurance licensed. Dennis lives inBayside, New York with his wife and two daughters. He enjoysplaying golf in his free time.PATRICK ERRICOFinancial AdvisorPatrick joined the Hanes Haber Group inJanuary 2013. Having previously workedwith institutional trading teams, Patrickis well-versed in both fixed income andequity products and strategies. He alsohas extensive experience in various areasthat include risk management, businessdevelopment 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 wellas the team’s service committee, which focuses on creatingand developing a streamlined client service standard across theteam. Patrick received his BS from Rutgers University, where hewas a scholar athlete as a member of the football program. Heholds Series 7 and 63 securities licenses.Patrick resides in Manhattan with his wife and in his spare timeenjoys traveling, fishing and sports.HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENTVICTORIA LOPEZRegistered Client Service AssociateVictoria joined Citigroup in 2007. With astrong background in operational support,Victoria assists clients with banking andservice-related issues. She supports theday-to-day functionality of the teamand is responsible for handling all clientservice needs including wires, checksand other ad-hoc client inquires. She is also an active memberon the team’s service committee which focuses on creatingand developing a streamlined client service standard acrossthe team.Victoria currently resides in the Bronx with her fiancé. Sheenjoys cooking, reading and spending time with her family.BRETT FELDMANRegistered Client Service AssociateBrett joined the Hanes Haber Group inMay of 2014, having previously workedas an analyst for the AlternativesInvestments Unit for Citi Private Bank.As an active member of the team’sinvestment committee, Brett helps toevaluate the various asset managers and works with theadvisors to develop strategies for clients. He also overseesthe client service committee, which focuses on developing astreamlined client service standard across the team as well ascommunicating with clients on a daily basis. Brett received hisBA in Economics from the University of Miami. He currentlyholds his Series 7 and 66 securities licenses.Brett resides in Manhattan and enjoys playing soccer, tennisand guitar in his spare time.
MICHAEL MALLOYRegistered Client Service AssociateMichael joined Citigroup in August of 2014and holds the series 7 and 66 securitieslicenses. He is a graduate of The SmealCollege of Business at The PennsylvaniaState University.He provides assistance with all servicerequests for the Hanes Haber team, including operationalsupport, account maintenance and fund transfers. Additionally,he is an active member on the team’s service committee whichfocuses on creating and developing a streamlined client servicestandard across the team.Michael resides in Hoboken and enjoys spending time withfamily, traveling and reading.ANCHAL RANAClient Service AssociateAnchal joined Citi in January 2015 and isthe newest member of the Hanes Haberteam. She attended Adelphi Universityfor her BA in Psychology. As a part ofHanes Haber group, Anchal providesadministrative and operational supportto Robert Hanes and Josh Haber. Shecommunicates daily with clients to address service needsand account maintenance issues. Anchal resides in Bellerose,Queens with her family and is preparing for the series 7 and66. Anchal enjoys working out, playing tennis ,spending timewith her family and cooking.How We WorkWith YouProfessionalism, Accountability andUnderstandingOur aim is to earn your trust andbuild a long-term relationship. Animportant part of this effort is tohelp you strive for your goals whilepreserving what you’ve built.With that in mind, we’re committed tomeeting with you regularly, informingyou of any significant developmentsin your portfolio and discussing anychanges that may be prudent to make.The goal is to help you anticipateand adapt to change as you pursueyour financial goals today and in theyears ahead.HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENT/5
Our ApproachBefore we recommend any specific investments, we take timeto learn about you, your goals and how you’d like to achievethem. Here is the process we typically follow:Step 1. Setting Your Financial ObjectivesWe start by asking questions. We’ll ask about your life — thethings you’d like to achieve. We’ll ask about your currentfinancial resources and liabilities, and determine your risktolerance profile. And even more important, we’ll listen.Step 2. Developing Your Wealth Management StrategyBased on our conversation, we’ll recommend a strategythat aligns with your tolerance for risk and investment timehorizon. We also may make recommendations in areas such asincome and retirement planning, asset protection, investmentmanagement, strategic borrowing and wealth transfer.Step 3. Implementing Your PlanOnce we’ve created an investment strategy, and discussedit with you in detail, we can work with you to implementit. If your strategy would benefit from outside legal, tax oraccounting advice, we can work with the other professionalsyou work with in those areas.Step 4. Reviewing Your PerformanceIf your personal situation or market conditions changesignificantly, we can recommend adjustments to yourinvestment strategy to help you stay on course. We canmonitor your portfolio’s performance and meet with youregularly to discuss matters in depth.HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENTSmart PlanningAt Citi Personal Wealth Management we use a comprehensiveprocess called Citi ClaritySM to learn about your goals andbegin building momentum toward achieving them. Basedon what you tell us during this exclusive process, we draft acomplimentary financial plan that includes: Net worth statement: We prepare an inventory of yourassets and liabilities to assess your net worth. Retirement analysis: We identify sources of income andcalculate how much you may need to meet your projectedlifestyle needs. Asset allocation: We see how your assets might worktogether more effectively, then recommend investmentstrategies based on your goals, risk tolerance and timehorizon. Education funding: If you have education funding goalsfor children or grandchildren, we estimate the future costof education, recommend strategies for saving and illustratethe potential growth you might achieve through varioussavings vehicles. Planning for the unexpected: We help determine anappropriate level of insurance coverage, reviewing yourlife, disability and long-term care policies. Estate planning: We review the current and projected valueof your assets, and then provide estate tax information. Wework with estate attorneys in providing strategies to helpmanage those taxes, such as lifetime gifting, titling assetsproperly and creating trusts.
Investment Advisory ProgramsHolistic ApproachWhen you take advantage of our Investment AdvisoryPrograms, you receive customized advice on asset allocation,extensive investment-advisor research, automatic portfoliorebalancing, ongoing monitoring and reports on portfolioperformance. These programs feature services including:To truly be of value, financial advice should help you manageyour wealth, not merely your investments. By taking a broaderapproach, we help you identify the goals most important toyou, and then suggest steps to achieve them. We look at yourassets and liabilities, your account statements and estate plan,your lifestyle and any risks to that lifestyle. We then create acomprehensive wealth management plan that addresses: Office of the Chief Investment Officer: The Office of theCIO’s team of investment professionals develops assetallocation recommendations and analyzes capital markets. Investment Research: This team of analysts researchesand evaluates hundreds of separate-account, mutual fundand alternative-investment managers. Separately Managed Accounts: A helpful synopsis ofresearch reports on hundreds of separately managedaccount products. Citi Managed Mutual Funds: Ongoing mutual fund researchand analysis, professional asset-allocation recommendations,detailed quarterly performance reviews (see importantinformation about mutual funds on back). Portfolio Management Program: Allows tailoring andmanagement of portfolios focused on fixed income, equityand balanced strategies, and features active portfoliomanagement, ongoing monitoring and performancereporting. Citi Advisor: This fee-based, non-discretionary investmentadvisory service continually monitors your asset allocation. Alternative Investments: Access to a diverse range ofalternative investment vehicles, such as private equity,hedge funds and real estate. Income and cash flow: We take a close look at how youwant 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 funda large expense, or provide a safety net if you’re facedwith an unplanned liability. We help you access loans toprovide funds while considering your overarchinginvestment strategy. Asset protection: By understanding your completefinancial picture, we work with you and your other financialprofessionals to assess potential threats and help youprepare for things like taxes, inflation, volatility, creditors,law suits and identify theft. Wealth transfer: Working with you and your tax and legalexperts, we determine the cash flow needed to preserveyour lifestyle, what you want to pass to the next generationand the causes you care about. We weave this informationinto a comprehensive plan that may include ideas for trustsand estate planning, charitable giving, business successionand funding for estate taxes. Investment management: Based on your financial situation,we calculate the returns it will take to achieve yourinvestment goals, then we craft a program designed tohelp you reach these goals. Business strategies: If you own a business, we can providefinancing options and capital structures to support yourgrowth objectives, advise you on debt structures and cashmanagement, as well as help design a retirement andexit strategy.HANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENT/7
Contact usHanes Haber Group atCITI PERSONAL WEALTH MANAGEMENTRobert J. Hanes, CFP 601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559.5569F 347.394.0986e bob.hanes@citi.comDennis Lee, CFA1748 BroadwayNew York, NY 10019P 212.489.3246F 347.394.0939e dennis.lee@citi.comBrett S. Feldman601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559.6259F 347.809.6847e brett.feldman@citi.comJosh M. Haber, CFP 601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559.5553F 347.394.0932e josh.m.haber@citi.comRobert Laterza601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559-5691F 347.394.0985e bob.laterza@citi.comAnchal Rana601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559.1419F 347.767.2685e anchal.rana@citi.comSunkul Soni399 Park AvenueNew York, NY 10022P 212.559.7330, toll-free 888.248.4465F 347.394.0920e sunkul.soni@citi.comVictoria Lopez601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559.4645F 347.394.0911e victoria.l.lopez@citi.comMike Malloy601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559.6860F 646.291.5120e michael.malloy@citi.comAdam Wood, CFA460 Park AvenueNew York, NY 10022P 212.223.5631F 347.394.0927e adam.j.wood@citi.comPatrick Errico601 Lexington Avenue, 15th FloorNew York, NY 10022P 212.559.6261F 347.537.4282e patrick.j.errico@citi.comHANES HABER GROUP AT CITI PERSONAL WEALTH MANAGEMENT
Hanes Haber Group atCITI PERSONAL WEALTH MANAGEMENT601 Lexington Avenue, 15th FloorNew York, NY 10022advisor.citi.com/thehaneshabergroupTerms, 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 strategiespresented are not appropriate for every investor. Individuals should review the terms and conditions and risks involved with specific products andservices. 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 suchtaxpayer 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 untilyour 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 actualpremiums may vary from any initial quotation you receive. Surrender charges may be imposed, and the period of time for which the surrendercharges 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 sophisticatedinvestors who are willing to bear the high economic risks of the investment, which can include: loss of all or a substantial portion of the capitalinvested due to leveraging, short-selling or other speculative investment practices; lack of liquidity in that there may be no secondary market for thePortfolio and none expected to develop; volatility of returns; restrictions on transferring shares/interests in the Portfolio; absence of informationregarding valuations and pricing; lack of diversification and concentration of risk due to a single manager; delays in tax reporting; less regulationand 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. Citibankprovides banking and lending services, including the Citigold Account package. Citi Personal Wealth Management, a business of Citigroup Inc., offersinvestment 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 PrivateClient Relationship Managers are employees of Citibank, N.A. and are employees and registered representatives of CGMI. Citibank, CGMI and CLA areaffiliated 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-A06/15
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.
Products Group, Citi 1-713-752-5405 roxana.popvici@citi.com Mike Curry Head of North American Commodities Structured Product Group, Citi 1-713-693-6866 mike.curry@citi.com Financing Global Renewable Energy with DFIs Georges Romano Regional Head of Export and Agency Finance Latin America, Citi 1-212-816-6158 georges.romano@citi.com
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Hall, Ferdinand L. Civil War 7 November 1987 Hall, Henry H. Civil War 7 November 1987 Hanes, George A. Civil War 7 November 1987 Hanes, Jack H. Civil War 7 November 1987 Hanes, Jacob H. Civil War 7 November 1987 Harding, John Charles, Jr. Vietnam 7 November 1987 Harper, John
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