Steven Wolff
Senior Vice President-Investments
Senior Portfolio Manager
William Rice
Focusing on
Family Wealth
Management
First Vice President-Investments
Senior Portfolio Manager
Stephen L’Heureux
Financial Consultant
Cliff Wiese
Financial Planning Services
Estate and Retirement
Planning Services
Financial Consultant
Jennifer Smith
Asset Management
Sales Assistant
Mortgage and Credit
Specialists
Lisa Freundlich
Sales Assistant
Business Financial Services
Salomon Smith Barney
5800 Armada Drive, Suite 300
Carlsbad, CA 92008
1-800-321-8147
Corporate Retirement Plans
Salomon Smith Barney is a registered service mark of Salomon Smith Barney, Inc. Member IPC
The Team
Steve Wolff is a Financial Consultant, Senior Vice-President Investments with
Salomon Smith Barney and a Senior Portfolio Manager. Having previously
managed several private companies, Steve has been in the investment
management business since 1986.
Bill Rice is a Financial Consultant, First Vice-President Investments with
Salomon Smith Barney and a Senior Portfolio Manager. Bill has been in the
investment management business since 1976. In addition to his experience as a
portfolio manager, Bill spent about fifteen years in branch management.
Hap L’Heureux is a Financial Consultant with an emphasis on retirement and
estate planning issues. Hap was an estate planning attorney for twenty-eight
years before joining Salomon Smith Barney. Hap is a past president of the
Carlsbad, California Chamber of Commerce.
Cliff Wiese is a Financial Consultant with Salomon Smith Barney focusing on
corporate retirement plans. He spent twenty-eight years in the Navy’s nuclear
submarine program, including three command tours, and retired as a Captain.
Cliff worked in private industry as a senior manager in the defense contracting
business providing services in the technology and telecommunications areas
before joining Salomon Smith Barney.
Responsibilities
In addition to their primary responsibility for providing individual client
service, the various team members have specific key roles as follows:
Steve Wolff - the Team’s primary Financial Consultant responsible for the
development of investment plans and day to day investment decisions.
Bill Rice - key person responsible for business development, continuing
education and the day to day contact with clients.
Hap L’Heureux - is responsible for the development and implementation of
retirement and estate plans, which is his specific area of concentration.
Cliff Wiese - the Financial Consultant responsible for the management of client
relationships and team business planning.
Jennifer Smith - Sales Assistant responsible for technology implementation and
client service.
Lisa Freundlich - Sales Assistant responsible for client service and client
contact.
Planning
 Financial Planning
Individual and Corporate
Portfolio Review and Analysis
 Retirement Planning
Individual and Corporate
IRA, Roth IRA, Simple, Keogh, Pension/Profit
Sharing, 401(k), 403(b), Rollovers
 Estate Planning
Estate Preservation Strategies, Business Succession
Planning, Trust Planning, and Philanthropic Planning
 Education Planning
529 Plans, Educational IRAs
Asset Management
 Professional Portfolio Management
Individual and Corporate Money Management
 Mutual Funds
Large Selection of Fund Families, Defined Asset Funds
 Equities
Domestic and International, Common and Preferred Stock, Stock
Option Financing
 Bonds
Municipal, Corporate and Government Bonds, CD’s and Money
Market Funds
 Research
Consistently the top ranked research team on Wall Street
Services
 Trust Services
Asset Management, Trustee, Custodial, and Fiduciary Services
 Insurance
Term, Whole-Life, Survivorship, Disability, Key-Person, Annuities
 Credit and Liability
Residential and Commercial Mortgages, Loans
 Business Financial Services
Corporate Cash Management
Financing: Credit Lines, Term Loans and Equipment Leasing
Employee Stock Ownership and Deferred Compensation Plans
Valuation Advisory Services
See * notes on last page
Ongoing Investment Process
Needs
Analysis &
Review
Continuing
Education
Asset
Allocation
Investment
Selection
and
Management
*The mortgage and home loan equity programs are not available in all states. All loans are
made by Citibank F.S.B., Citibank, N.A., Citibank (New York State) or Citibank Nevada, equal
housing lenders. In Connecticut and New Jersey, Salomon Smith Barney is the BROKER
ONLY, NOT THE LENDER. Salomon Smith Barney is a registered mortgage broker, NYS
Banking Department. “In Arizona Salomon Smith Barney is a licensed mortgage broker (Lic.
No. 0903067)”. Salomon Smith Barney Inc., Citibank F.S.B., Citibank, N.A., Citibank (New
York State), Citibank (Nevada), N.A. are subsidiaries of Citigroup Inc.
*Borrowing against securities may not be suitable for everyone. If your securities decline in
market value to below maintenance levels, you may be required to pay down the loan or
deposit additional securities as collateral. If you cannot do so, all or a portion of your
collateral may be liquidated and the proceeds used to pay down your loan balance. A forced
liquidation could also trigger tax consequences. Salomon Smith Barney does not give tax or
legal advice. Please consult your tax or legal advisor for guidance.
* Certain restrictions apply including credit approval and acceptance of the equipment by
CitiCapital. Salomon Smith Barney does not review loan eligibility nor monitor the loan.
CitiCapital is a subsidiary of Citigroup. Certain restrictions apply, including credit approval and
acceptance of the equipment by CitiCapital. Salomon Smith Barney does not review lease
eligibility nor monitor the lease. CitiCapital is a service mark of Citicorp used by subsidiaries
of Citicorp and other subsidiaries of Citigroup Inc.