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The Lake Avenue Group at Smith Barney 301 North Lake Avenue, Penthouse, Pasadena, CA 91101 (800) 362-6992 Fax (626) 449-7121 100 North Westlake Boulevard, Westlake Village, CA 91362 (805)-494-0242 Fax (805) 494-0231 http://fa.smithbarney.com/lakeavenuegroup How We Work with You “Professional Wealth Management with a Personal Touch” The Lake Avenue Group at Smith Barney Citigroup - The preeminent global financial services company. Smith Barney - The private wealth management and equity research unit of Citigroup provides comprehensive financial planning and advisory services to high net worth investors, institutions, corporations, private businesses, governments and foundations. The Lake Avenue Group - A team of wealth management advisors within Smith Barney. As a part of a global organization, the team can offer a full range of investment, lending and planning services. Global resources serving clients on a local basis – The Lake Avenue Group at Smith Barney Meet the Team Over 35+ combined years in the business The Lake Avenue Group at Smith Barney P. Darius Raulinaitis, CFA®, First Vice President – Wealth Management Portfolio Manager / Financial Advisor Darius is responsible for portfolio management and wealth management strategies. • Chartered Financial Analyst® / Portfolio Manager •The curriculum comprises mastering the use of investment tools, asset valuation, and portfolio management • • • • as well as the knowledge and application of ethical and professional standards. Designs and implements wealth management strategies Develops investment strategies and asset allocations Conducts research and analysis of companies and strategies Evaluates overall wealth strategies, goals and objectives in person with clients Laura M. Norris, CFP®, Financial Planning Specialist, Financial Advisor Laura is the group’s financial planning specialist, she is responsible for client communications and marketing. • • • • • CERTIFIED FINANCIAL PLANNER ™ Creates planning strategies related to: Retirement, Education, Insurance, and Estate Planning Conducts portfolio reviews and communicates to clients’ overall financial strategies, goals, and objectives Coordinates liability management resources including credit services and lending Facilitates and organizes client educational events The Lake Avenue Group at Smith Barney Barbara Capitano, Registered Client Service Assistant Barbara is responsible for operational support and client services. Responsible for office administration, operations, new accounts and scheduling of meetings Processes investment instructions Provides account services such as: contributions, distributions and consolidation of outside holdings Liaison between Financial Advisor and clients on administrative issues Series 7 licensed Barbara Capitano Registered Client Service Assistant- [email protected] Barbara is a Registered Client Service Associate who has been in the Financial Services industry for the past four years. She is licensed in securities and life insurance. Barbara attained a Bachelor’s degree in Business Administration and a Master’s degree in Business Education. She is also a wife and the proud mother of four children. Barbara enjoys being outdoors with her family. They enjoy skiing, hiking, camping, fishing, and rock climbing. However, her favorite pastime is working in her garden. The Lake Avenue Group at Smith Barney P. Darius Raulinaitis, CFA® First Vice President – Wealth Management Portfolio Manager / Financial Advisor- [email protected] Since 1990, Darius has developed a platform at Smith Barney that provides comprehensive wealth management strategies. As a member of Smith Barney’s Portfolio Management Group, he oversees our clients’ equity and fixed income portfolios. His platform encompasses retirement, education and estate planning with a focus on managing inter-generational wealth transference. Darius belongs to the CFA Institute and The CFA Society of Los Angeles, Inc. A native of California, he graduated with a BA in Economics from the University of California Los Angeles and with an MSBA in International Finance from San Francisco State University. Darius lives in Thousand Oaks and is an avid participant in outdoor activities such as skiing, mountain biking, and his passion for sailing. His seven year old daughter Julia, just finished her fourth season on skis, obviously following in her Dad’s footsteps for adventure. Laura M. Norris, CFP® Financial Planning Specialist, Financial Advisor- [email protected] Laura has been with Smith Barney since 1996. She graduated with a BS in Business Administration and devotes herself to preparing clients for the future. Since becoming a Certified Financial Planner™ Laura helps clients establish income streams for retirement income. She communicates in detail with clients about their progress toward their goals. Laura regularly organizes investment related educational events for clients, a wine tasting was the groups most recent success. She was born and raised in a small town in Maine, so Laura enjoys incorporating her small town values in her work. Laura belongs to such organizations as the Dude Ranchers Association, National Association for Female Executives, Women and Co. and the Sierra Club. Laura lives in Pasadena yet misses the small town life. She enjoys riding horses and the occasional two step dancing. The Lake Avenue Group at Smith Barney The Way We Do Business ANALYZE - Effective wealth planning begins with a complete evaluation of a client’s unique needs, circumstances, and resources. EDUCATE – Present all relevant investment choices and strategies in order to balance financial needs with the realities of the world’s financial markets. ADVISE – Recommend a mix of asset classes, specifically tailored to assist in achieving goals and targets while helping to reduce risk through diversification. (diversification does not insure against loss) MANAGE – A custom portfolio based on specific needs for income, growth, tax efficiency and risk tolerance. REVIEW –Continuous review of client portfolios and circumstances in relation to the global economic landscape and it’s impact on our client’s financial well-being. The Lake Avenue Group at Smith Barney Available Services: Portfolio Management Equities Mutual Funds Fixed Income Annuities Cash Trust Services Philanthropic Planning Lending Services Home Mortgages Refinancing Construction Financing Global Services Foreign Exchange World Wallet Foreign Securities **See important disclosures on last page** Retirement Accounts Structured Settlements Financial Planning Analyses Estate Planning Analysis Retirement Analysis Asset Allocation Analysis Education Funding Analysis Employee Stock Option Analysis Insurance Services Long Term Care Life - Term - Whole The Lake Avenue Group at Smith Barney Our Process Tax efficient strategies and their implementation to help grow and preserve our clients’ wealth effectively Estate Planning and analysis for protection of assets to help ensure efficient distribution to future generations Tax efficient Review of this years’ progress, economic outlook for the coming year and positioning for the future -IRS Circular 230 - attached Asset/Liability review and evaluation within the context of our clients’ financial plan The Lake Avenue Group at Smith Barney Our Mission Our Mission is to help guide, protect and enhance the financial lives of our clients. As their trusted partners, we prepare our clients to weather life’s challenges and benefit from its inevitable opportunities. Our Commitment is to understand our clients’ personal situations, provide suitable recommendations and regularly monitor and communicate results. Our Vision Our Vision is to share the responsibilities of wealth management with our clients to help simplify the process of asset accumulation, management, protection and distribution across all generations of their family. Wealth management is not just about the resources, but how to use them with creativity, innovation and flexibility. The Lake Avenue Group at Smith Barney Sample Meeting Agenda I. Review of Assets / Liability Analysis II. Review of Cash flow Requirements / Income Generation Potential (Investment Objective Discussion) III. Review of Tax Consequences IV. General Recommendation V. The Next Step I. _________________________ II. _________________________ III. _________________________ The Lake Avenue Group at Smith Barney Important Disclosures Citigroup, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the “promotion or marketing” of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. Services are provided by one of the following entities: Citibank, N.A.; Citicorp Trust, N.A. (California); Citicorp Trust, N.A. (Florida); Citicorp Trust South Dakota; Citicorp Trust Bank, FSB; or Smith Barney Corporate Trust Company and are collectively referred to as Citigroup Trust.. Neither Smith Barney nor the entities referred to as Citigroup Trust, provide tax or legal advice. Please consult your tax or legal advisors for such guidance. When used wisely, borrowing can be beneficial to your total wealth management. Investments held at Smith Barney are not FDIC insured, not bank guaranteed and may fluctuate in value including loss of principal. When used wisely, borrowing can be beneficial to total wealth management. A Smith Barney relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Smith Barney Home Loan Program at Citibank. Home equity programs not available in AK. Smith Barney policy does not permit clients to use the proceeds of a home loan to invest in securities or related markets. A default (stopping monthly payments) on a mortgage could result in the loss of pledged real estate, securities or both. Your Financial Advisor may receive compensation in connection with this lending program. Affiliates of Smith Barney may earn fees in connection with the funding, origination, and sale of a loan. All loans/lines are made by Citibank, FSB, Citibank, N.A., Citibank Texas, N.A., or Citibank(West), FSB, equal housing lenders, and are subject to Citibank’s mortgage qualifications. In CT and NJ, Citigroup Global Markets Inc. is the BROKER ONLY, NOT THE LENDER. Citigroup Global Markets Inc. is a registered mortgage broker, NYS Banking Department. In AZ Citigroup Global Markets Inc. is a licensed Mortgage Broker (Lic. N. 0903067). Citigroup Global Markets Inc. Citibank, N.A., Citibank Texas, N.A. and Citibank(West), FSB, are subsidiaries of Citigroup Inc. There are additional risks associated with international investing. International investing may not be for everyone. IRS Circular 230 Disclosure: Citigroup Inc., Its affiliates, and its employees are not in the business of providing tax or legal advice. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax related statements, if any, may have been written in connection with the “promotion or marketing” of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. © 2008 Citigroup Global Markets Inc. Member SIPC. Smith Barney is a division and service mark of Citigroup Global Markets Inc. and its affiliates and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup Inc. and its affiliates, and are used and registered throughout the world.