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Products and Services

We offer a wide range of investment and insurance products and services that can help you work toward achieving your investing goals. These products include a wide selection of investments such as individual stocks, fixed income, mutual funds, as well as more sophisticated offerings, including alternative investments and structured products.

Annuities

  • Are you looking for long-term, tax-deferred investment designed for retirement?
  • Do you want the opportunity to generate lifetime income?

Retirement Savings

  • Do you need to save for retirement?
  • Are you interested in tax-deferred and tax-free opportunities?

Advisory (Managed) Accounts

  • Do you want help with your portfolio?
  • Do you prefer to work with professional money managers?

Mutual Funds

  • Do you want a diversified portfolio?
  • Are you willing to pay an annual expense for professional management?

Bonds (Fixed Income)

  • Are you seeking interest income?
  • Do you want to diversify your portfolio?

Education Savings

  • Do you need to save for college or higher education?
  • Are you interested in tax-deferred opportunities?

Stocks (Equities) and Options

  • Are you seeking the potential for higher returns?
  • Are you comfortable with daily fluctuations in value?

Trusts and Estate Planning

  • Do you want to help ensure your assets are properly titled and protected?
  • Do you want to help ensure a timely transition of assets?

Insurance

  • Do you need coverage to support your estate planning?
  • Do you need coverage for your family?

Securities–Based Lending

  • Do you want an alternative to traditional borrowing? Footnote*
  • Do you want to explore ways to borrow against eligible investments? Footnote*

Sophisticated Products for Complex Needs

  • Do you want alternatives to traditional stocks and bonds?
  • Is your investment time horizon long enough to be in illiquid investments?

INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

* Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specific advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversified portfolio; a diversified portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualifications, and other restrictions may vary by state. Ask your Financial Advisor for details.Back to reference *

Citigroup 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.

All mutual fund products are sold by prospectus, which contains more complete information about the fund. Please contact your Financial Advisor for copies. Please read the prospectus and consider the fund’s objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the fund.

Investors should carefully consider the variable annuity/sub–accounts’ objectives, risks, charges and expenses. This and other information is found in the prospectus, which should be read carefully before investing. Please contact your Financial Advisor for a copy of the prospectus.

Citi Personal Wealth Management is a business of Citigroup , which offers investment products through Citigroup Global Markets (CGMI), member . Insurance is offered through Citigroup Life Agency LLC (CLA). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). CGMI, CLA and Citibank, are affiliated companies under the common control of Citigroup Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup or its affiliates, used and registered throughout the world.

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