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Graeme H. Patey - ArticlesGraeme Patey specializes in developing customized financial strategies. He employs a consultative approach on the financial and investment needs of high net-worth individuals and financial services to businesses.
A key focus with business clients is fiduciary responsibilities of qualified/non-qualified employee benefits and defined benefit/defined contribution plans. A fundamental role in helping business clients manage their obligations include: business goals/objectives evaluation, selection and monitoring of investments and providers, plan management, and strategic enhancement. The proficiency in the financial services industry, coupled with his experience, enables him to deliver superior customer services to every client. Portfolio performance and client satisfaction are his primary business objectives. He has 20 years experience in the financial services industry. Prior to joining Smith Barney Citigroup, he practiced in a similar role with Merrill Lynch Private Client Group in Cleveland, Ohio. He was a Vice President and Relationship Manager for KeyBank Commercial Banking Division in Cleveland, Ohio. He advised corporate and private clients to provide corporate finance solutions and access to the broad array of banking and capital markets resources in the KeyCorp organization. Prior to KeyBank, he was a Vice President of National Accounts for First Sierra Financial/American Express Business Finance headquartered in Houston, Texas. Graeme received a B.A. in Marketing and Advertising Business from Ohio University in Athens, Ohio. Graeme lives in Shaker Heights, Ohio with his wife and two children. He is active in the local chambers of commerce and serves on the board of directors and financial advisory for area non-profit organizations. To contact me via mail, phone or email: Graeme H. Patey Second Vice President - Wealth Management 200 Public Square, Suite 2600 Cleveland, Ohio 44114-2316 Tel 216 523 3015 Tel 800 362 1230 Fax 216 523 3050 graeme.patey@smithbarney.com http://fa.smithbarney.com/graemepatey Steps To Take - How You Can Survive A Layoff?What you do immediately after receiving word that your current job is gone can make a big difference in how you will be able to support yourself and your family. Making the wrong decisions can have dire consequences over the long term. Employees leaving their employers, either on their own terms or on the terms handed to them, can greatly benefit from professional help to sort out the options they have available. Do You Know Who Your Ira Beneficiary Is—And Why It Matters?Deciding whom to designate as a beneficiary for your IRA might seem like a no-brainer—you probably want your money to go to someone near and dear to you. But is the person (or people) you’re thinking of actually the one(s) you named on the IRA beneficiary form all those years ago when you opened the account? Seven Strategies For Investing During Volatile MarketsThe markets don’t always behave the way we’d like them to: Geopolitical turmoil, natural disasters, interest rates and world events can have a profound effect on market movements. If recent market volatility has you concerned about the economy, you are not alone; this is a confusing time for many investors. Ira Charitable Rollover Opportunity Rolls On Through 2009As part of the Emergency Economic Stabilization Act of 2008, Congress allowed an important window of opportunity to remain open—one that enables IRA owners age 701/2 or older to directly transfer up to $100,000 tax-free to charity in both 2008 and 2009. Because this provision applies to every individual IRA holder, a husband and wife who both meet the minimum age threshold could effectively move $400,000 out of their taxable estate over the next two tax years. Investing With A ConscienceMany investors have strong opinions that don’t involve their views on interest rates and stock prices. This might include support for a clean environment or concern for the poor and the disadvantaged – just to mention a few well-known causes. How To Smartly Give Away Assets During Your LifetimeGiving away your financial assets can be more complicated than just writing a check. If you want to engage in lifetime gifting of some of your assets, you should be aware of certain rules. For instance, in 2008, the maximum annual gift tax exclusion amount is $12,000 per person. The lifetime federal gift tax exclusion amount is currently $1 million, and it will remain at that level through 2009. The Wandering Mind: 529 College Savings Plans Provide A World Of OptionsWhen Kelly Davidson¹ decided she wanted to transition from a career as a high school teacher, she knew she’d have to go back to school to achieve her goal—and it would be costly. She also knew that pursuing a graduate degree would potentially impact her ability to save for retirement, so she met with her Smith Barney Financial Advisor to develop a strategy that would help enable her to return to school in five years. Cracking Your Nest EggWith so much focus these days on saving for retirement, it’s easy to overlook an equally critical step that relates directly to your future security—how successfully you convert your savings into retirement cash flow. This process might sound simple, but it prompts several key questions: Which account should you draw from first? How do you keep your remaining assets growing? And, perhaps most important, how much can you take out each year without running out of money? Ethical Will—Not The Only WayIf you feel strongly enough to commit your values to writing, why not discuss them with your family now? Retirement Plan Sponsors: Could Your 401(K) Benefit From A Roth Feature?Retirement plan sponsors have a dizzying array of options available to them as they attempt to create a meaningful benefits package for their participants. One optional feature that may be well worth considering is the Roth 401(k).
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