smithbarney.com The Susquehanna Group at Smith Barney built upon innovative and personalized financial strategies
our mission The Susquehanna Group at Smith Barney is dedicated to providing customized financial strategies to high-net-worth individuals and institutions. We strive to bring our diverse backgrounds, experiences, skills and talents, together in a family office-style environment as we assist you in creating and implementing a wealth management plan predicated on your unique financial and personal goals. 2
our vision The Susquehanna Group at Smith Barney believes the foundation of every wealth management plan begins with a dynamic and loyal client relationship. With over 50 years of combined experience, we realize that you have a unique set of planning needs and personal goals and therefore require individualized investment strategies. We have built our team with the singular goal of ensuring that we have the time and experience needed to support the unique and subtle requirements of your financial situation. 3
meet the professionals Clockwise from top left: Erik M. Vatter, Bernard J. Orbach, Matthew T. Groff, Sharon L. Pugh, Michelle M. Widders Bernard J. Orbach Senior Vice President Wealth Management Financial Advisor Bernard attended The Pennsylvania State University, graduating in 1954 with a Bachelor s degree in Liberal Arts. Upon graduation Bernard started a successful business, culminating in 1968 when he chose to pursue a new challenge in the financial industry with Walston & Company. In 1974 Bernard lent his expertise to Prudential Basche before opening and establishing a new branch for E.F. Hutton & Company in 1977. Through the subsequent mergers and acquisitions Bernard was appointed as Senior Vice President of Wealth Management in Citi s Private Wealth Management unit, Smith Barney. Bernard enjoys spending time with his wife, Frances, his children and his grandchildren both here in Pennsylvania and in his home in Longboat Key, Florida. Matthew T. Groff Vice President Wealth Management Investment Management Specialist Financial Planning Specialist Matthew joined Citi s Private Wealth Management unit, Smith Barney, in 2004 and is serving as a Vice President of Wealth Management and Investment Management Specialist. Matthew attended the University of Kentucky, graduating from the Gatton College of Business and Economics as well as earning the additional accreditation needed from Smith Barney s Financial Planning Group to serve as a Financial Planning Specialist. Prior to joining Smith Barney, Matthew spent four years advising high-networth to clients as part of Morgan Stanley s Global Wealth Management Division. Matthew s career has focused on helping high-net-worth clients and corporate executives through the wealth management process. 4
Erik M. Vatter CFP, CRPS Second Vice President Wealth Management Financial Planning Specialist Financial Advisor Erik joined Citi s Private Wealth Management unit, Smith Barney, in 2006 as a CFP specializing in financial and estate planning for high-net-worth individuals and entities. Erik graduated from The Pennsylvania State University with a Bachelor s degree in Philosophy. After graduation, Erik attended The American College, completing the necessary post-graduate work required to obtain the CFP and CRPS designations. Erik has also earned the additional accreditation needed from Smith Barney s Financial Planning Group to serve as a Financial Planning Specialist. Prior to joining Smith Barney, Erik advised high-net-worth clients as part of Morgan Stanley s Global Wealth Management Division. Sharon L. Pugh Senior Registered Sales Associate After studying Business Management and Liberal Arts, Sharon joined a mutual fund company as a registered representative. When an opportunity presented itself to join the investment firm of E.F. Hutton & Company, Sharon accepted the position. After 20 years and several firm name changes, Sharon has been fortunate to learn and experience many aspects of the financial services industry. Sharon s position in business development has allowed her the best of both worlds. She truly enjoys the direct client contact and establishing trusting relationship along with the always-fascinating financial markets. Michelle M. Widders Registered Sales Associate Michelle joined Citi s Private Wealth Management unit, Smith Barney, in 2004. Prior to that she worked for Romano Brothers & Company, a Chicago-based, privately held financial services firm; Banc One Corporation as an operations officer; and as a senior client associate with Morgan Stanley s Global Wealth Management Division. 5
the way we do business The members of The Susquehanna Group at Smith Barney have been serving the needs of high-net-worth individuals and entities for a combined half-century. Today, we continue to provide high-net-worth individuals and entities with access to sophisticated assetallocation and investment strategies as well as to the vast global array of financial services available to our clients through Citi. Our half-century of experience has allowed us to develop a keen understanding of the specialized needs and concerns that coincide with the accumulation of significant wealth. By understanding the subtleties of your situation, we can fully employ the vast array of resources at our disposal, which include: Top-tier, third-party institutional money managers Global private or commercial lending capabilities Investment banking strategies Sophisticated hedging and liquidity strategies Complex estate and intergenerational wealthtransfer plans Private trust management When you partner with The Susquehanna Group, you get a deep bench of experience and global resources coupled with a highly consultative approach designed to ensure that your unique situation is met with an individualized strategy. The Susquehanna Group is dedicated to providing professional advice and personalized service, helping you to meet your financial and investment goals. 6
wealth management resources Vast Resources for Unique Needs Personal Wealth Management Complex Estate Management Comprehensive Financial Planning Services Sophisticated Liquidity and Cash-Flow Management Strategies Education Planning (529 College Savings Plan, Custodial Accounts) Debt Management Asset Management Consulting Group (access to top institutional money managers) Smith Barney Advisor (fee-based advisory account) Alternative Investment (Hedge Funds, Private Equity) Mutual Fund Investing Equity Derivatives Investment Banking Business Owners Business Valuations Potential Sale of Business Unlocking Liquidity Protection of Business Future Investing Personal Wealth Citi Global Wealth Management Division Citi Private Bank Smith Barney Global Private Client Group Citi Investment Research 7
The Susquehanna Group at Smith Barney 11 North 3rd Street, 2nd Floor Harrisburg, PA 17101 phone (717) 780-1700 (800) 237-1700 fax (717) 233-2090 Bernard J. Orbach Senior Vice President Wealth Management Financial Advisor (717) 780-1750 bernard.j.orbach@smithbarney.com Erik M. Vatter CFP, CRPS Second Vice President Wealth Management Financial Planning Specialist Financial Advisor (717) 780-1722 erik.vatter@smithbarney.com Matthew T. Groff Vice President Wealth Management Investment Management Specialist Financial Planning Specialist (717) 780-1734 matthew.t.groff@smithbarney.com Sharon L. Pugh Senior Registered Sales Associate (717) 780-1752 sharon.l.pugh@smithbarney.com Michelle M. Widders Registered Sales Associate (717) 780-1723 michelle.m.widders@smithbarney.com 2008 Citigroup Global Markets Inc. Member SIPC. Smith Barney and Consulting Group are divisions of Citigroup Global Markets Inc. Smith Barney is a service mark of Citigroup Global Markets Inc. and is used and registered throughout the world. Citi and Citi with the arc design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world. Citi Private Bank is a business of Citigroup Inc., which provides private banking clients access to a broad array of products and services available through bank and non-bank affiliates of Citigroup. Not all products and services are provided by all affiliates or are available in all locations. Unless you are otherwise advised in writing, Smith Barney is acting as a broker-dealer and not as an investment adviser. Smith Barney Advisor is a registered service mark of Citigroup Global Markets Inc. 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. When used wisely, borrowing can be beneficial to your total wealth management. INVESTMENT PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE 397558 09/08