Phillip Hayden

Operates as a face-amount certificate company

Functions as a College/University

Individually managed equity portfolios emphasize long-term growth and are constructed from a list of between 30 and 50 stocks carefully selected from a universe of about 300 companies. Typically large capitalization, these stocks are identified through a process that combines bottom-up company-by-company analysis with top-down screening. Approved stocks are combined in a portfolio that is deliberately diversified across economic sectors to manage risk while capitalizing on long-term economic expectations and demographic trends. Equities: The firm methodology for equities investing includes a systematic analysis of macroeconomic conditions. To be included in a portfolio a company must: 1) have historically low relative p/e ratio of stock to industry, stock to market and stock to GNP; 2) be growing at a rate greater than its current p/e multiple; 3) have a strong cash flow; 4) have increasing levels of dividends. Stocks are sold when they reach an extreme in the established price range, the fundamentals deteriorate, or there are more compelling buying opportunities available. Balanced & Fixed: The firm uses a combination of economic, international, and political analysis to begin to determine the proper asset allocation between fixed-income and equity investments. Fixed-income parameters are based upon forecasts of trends in economics and interest rates and other technical considerations. The equity portion of the portfolio is determined by establishing a likely range for the market based upon forecasts of earnings, inflation, and corporate price-earnings. In addition, consideration is given to the clients' investment objectives.

Provides auditing, financial advisory and tax consulting services

Functions as a College/University

SBM Financial offers financial solutions through four divisions: Investment Products, Mortgage Services, Principal Investments and Capital Management. For discretionary equity or fixed-income accounts, SBM focuses on providing extensive research, analysis and security selection consistent with each client's investment objectives and risk/reward parameters. For specific mandates or for alternative asset classes, SBM also partners with leading investment advisory firms to create specific investment programs for their clients. SBM's Structured Investment Products are offered to qualified institutional purchasers. The institutional product line offers fixed-rate investment notes, generally issued for five-year terms at rates comparable to current high-yield fixed-income rates. The investment notes are structured as unrated, secured notes issued by a special purpose entity and backed by a pool of collateral primarily consisting of real estate and real estate related investments. SBM Financial LLC serves as the sponsor and collateral manager for the investment notes and directs the proceeds from the note issuance to their higher-yielding, non-core investment projects. SBM manages the investment portfolios of their face-amount certificate investment companies. These investment portfolios consist of fixed-income securities, mortgage loans, equity securities and pooled investment vehicles, including mortgage-backed securities. The firm has added new investment strategies including Core and Opportunistic Real Estate and Private Finance.

SBM Group, Inc. is an IT staffing and American technology solutions company specializing in professional contracting, software development, application maintenance, and project management services. The company is based in NJ. The company connects technology specialists—including software engineers, programmers, java developers, testers, business analysts, and certified project managers—with roles that match their technical expertise and industry knowledge. SBM Group provides software development services covering all project phases, flexible staffing solutions for contract and permanent placements, and programs such as a "40-hour interview" and a mentor program. The company supports onsite and offshore engagements and offers consulting to help businesses find IT talent. Its technical expertise includes ERP systems, systems integration, infrastructure, business intelligence, data warehousing, CRM, SCM, LAN/WAN architecture, and multiple programming languages and platforms. Eric M. Westbury has been the CEO of the company since 2005.