EMERITUS WEALTH ADVISORS AT CITI PERSONAL

WEALTH MANAGEMENT

Wealth Management

Our conversation about wealth management will focus on four key areas that we believe will result in a comprehensive outlook of your future:

LIFESTYLE. Not only your current one, but also the lifestyle you aspire. We will talk about your cash flow and future spending obligations, retirement planning, education funding, wealth transfer to heirs and philanthropy. Your other professional advisors will also be integral to our conversations.

LIABILITIES. The right side of your balance sheet is no less significant than investing. Borrowing, when done wisely, can help you realize possibilities that you might not have realized without it. We can show you strategies that can fund your needs, without liquidating assets, sacrificing income or paying gift taxes.

RISK. Recognizing whether you have too much, or not enough, risk is another core element we will discuss. Risk-management topics will include diversifying to help you protect your portfolio against market volatility; protecting your family from less-than-ideal decisions by engaging an impartial trustee or executor; and even helping you address fraud activity and reclaim your identity.

INVESTMENT. Asset management goes beyond investment performance. Based on your financial status today, we will calculate the returns necessary to help you achieve your target, craft an investment program designed to help you reach it and assess statistically the likelihood you will reach or exceed your goals. A variety of fee-based investment advisory services, managed accounts and active portfolio management are available.

Jeffery L. Micheli, CRPC®

5618 Freeport Blvd. Sacramento, CA 95822

TELEPHONE: 916.393.6459TOLL-FREE: 877.426.7594FACSIMILE: 916.424.0552

jeffery.l.micheli@citi.com

www.advisor.citi.com/emerituswealthadvisors

EMERITUS WEALTH ADVISORSAT CITI PERSONAL WEALTH MANAGEMENT

Managing Your Wealth, Growing Our Relationship

INVESTMENTS AND INSURANCE PRODUCTS: NOT FDIC INSURED • NOT A BANK DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT

AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Citi Personal Wealth Management is a business of Citigroup Inc., which offers securities through Citigroup Global Market Inc. (“CGMI”), member SIPC. 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, N.A. are affiliated companies under the common control of Citigroup Inc. Citi and Citi with Arc design are registered service marks of Citigroup Inc. and its affiliates and are used and registered throughout the world.

© 2010 Citigroup Global Markets Inc. Member SIPC. 696011 9/10

Smart planning starts with asking the right questions, as well as understanding your financial needs and goals. Only then will we provide comprehensive wealth management advice and help connect all the pieces of your financial life into a cohesive plan for the future. It’s not our practice, for example, to discuss education funding without considering its impact on your retirement. Nor does it make sense to talk about an investment plan without first discovering what the investments need to pay for, i.e., a second home, a business start-up, a child’s first down payment. You don’t separate your finances from your life; as your Financial Advisors, we won’t either.

Our Vision

We believe that you deserve financial advisors who share your vision, earn your trust and work diligently to help you attain the life you desire for you and your family. As we work together towards your goals, we are committed to providing you with distinctive, caring and personalized attention. Equally important is our attentiveness to helping you anticipate the changes and challenges in your life and so you can be prepared to meet those circumstances when they arise.

OUR MISSION Meet Our Professionals

As a planning-based practice that believes in a client-centered approach to managing wealth, we invite you to learn more about each member’s experience.

JEFFERY L. MICHELI, CRPC®

Second Vice President–Wealth Management Guided Portfolio Manager Financial Planning Specialist Financial Advisor

ADAM BAINVice President–Wealth Management Senior Financial Advisor

STUART SPRENGERFirst Vice President–Wealth Management Financial Advisor

ALICE MITCHELLSecond Vice President–Wealth Management Financial Advisor

JERRY L. HALLBERGSecond Vice President–Wealth Management Financial Advisor

MARK ALCORN, CFP®

Financial Advisor

Wealth Planning

Income and cash-flow planning, strategic borrowing, asset protection, wealth transfer, investment analytics.

• Retirement Planning• Education Planning• Estate Planning

INVESTMENT CONSULTING AND MANAGEMENTCustomized asset-allocation advice, extensive investment-advisor research, automatic rebalancing, ongoing monitoring and performance reporting.

• Investment Advisory Services• Select Portfolios• Citi Personal Wealth Management Advisor

WEALTH PRESERVATION AND TRANSFERCan help protect wealth from creditors and taxes; transfer assets, business holdings and values to future generations.

• Investment Advice• Insurance

BUSINESS OWNER SERVICESBusiness banking and insurance services, working and growth capital, diversification of personal wealth, capital-structure and exit strategies.

• Retirement Plans• Insurance• Borrowing• Business-Succession Planning