How We Work with You

70 S. Lake Avenue, 10th Floor, Pasadena, CA 91101 (800) 362-6992 Fax (626) 449-7121

The Lake Avenue Group at Smith Barney

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 partner, 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 to 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

P. Darius Raulinaitis, CFA, First Vice President – Investments Portfolio Manager / Financial Consultant

Darius is responsible for portfolio management and wealth management strategies.

• Portfolio Manager• Designs and implements wealth management solutions• 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, Financial Consultant, Financial Planning Specialist

Laura is the group’s financial planning specialist, she is responsible for client communications and marketing.

• 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

Rebecca A. Gonzaga, Registered Sales Assistant

Rebecca 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• Experienced in estate settlement procedures, valuation, location of missing securities, re-registration, interaction with attorneys, CPA's and distribution to heirs.

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 achieve goals and targets while helping to reduce risk through diversification.

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

Review of this years progress, economic

outlook for the coming year and positioning

for the future

Review of this years progress, economic

outlook for the coming year and positioning

for the future

Tax efficient strategies and their

implementation to grow and preserve our clients’ wealth

effectively

Tax efficient strategies and their

implementation to grow and preserve our clients’ wealth

effectively

Estate Planning and analysis for protection

of assets to ensure efficient distribution to future generations

Estate Planning and analysis for protection

of assets to ensure efficient distribution to future generations

Asset/Liability review and evaluation within the context of our clients’ financial

plan

Asset/Liability review and evaluation within the context of our clients’ financial

plan

Our Process

The Lake Avenue Group at Smith Barney

P. Darius Raulinaitis, CFAFirst Vice President - InvestmentsPortfolio Manager / Financial Consultant- p.darius.raulinaitis@smithbarney.com

Since 1990, Darius has developed a practice 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 practice encompasses retirement, educational and estate planning with a focus on managing inter-generational wealth transference. In 1994, Darius achieved the designation of Chartered Financial Analyst. The curriculum comprised mastering the use of investment tools, asset valuation, and portfolio management as well as the knowledge and application of ethical and professional standards. Darius belongs to the CFA Institute and the Los Angeles Society of Financial Analysts. 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 currently lives in Thousand Oaks with his wife and young daughter. He is an avid participant in outdoor activities such as skiing, mountain biking, sailing and the occasional mountaineering adventure.

Laura M. NorrisFinancial Consultant, Financial Planning Specialist- laura.m.norris@smithbarney.com

Laura has been with Smith Barney since 1996. She has a BS in Business Administration and attained the title of Financial Planning Specialist at Smith Barney. Laura devotes herself to preparing clients for the future. She communicates regularly and in detail with clients about their progress toward their goals. Laura regularly organizes investment related educational events for clients and enjoys providing the highest level of client service. Since she was born and raised in a small town in Maine, Laura enjoys bringing her small town values to work with her. She belongs to such organizations as the Dude Ranchers Association, National Association for Female Executives and the Sierra Club. Laura lives in Pasadena yet loves the country life as well. She rides horses and enjoys playing the guitar in her free time.

Rebecca GonzagaRegistered Sales Assistant- rebecca.a.gonzaga@smithbarney.com

Rebecca has 27 years of experience in the financial services industry, with the last eleven at Smith Barney. She efficiently runs the group from an operational perspective. Rebecca is a resource to clients, answering questions and researching issues. She has her Series 7 and 63 licenses. Rebecca has two children and lives in La Verne with her husband and son. She enjoys gardening and attending her son’s High School sporting events.

The Lake Avenue Group at Smith Barney

Our Resources

Citigroup is the preeminent global financial services company. Smith Barney is the private wealth management and equity research unit of Citigroup providing comprehensive financial planning and advisory services to high net worth investors, institutions, corporations and private businesses, governments and foundations.

Being a part of this global team, affords us the ability to deliver a full range of investment, lending and planning services. We can access a local Citigroup Trust specialist to review an estate plan or execute a foreign currency transaction using our worldwide platform.

Global resources serving clients on a local basis – The Lake Avenue Group at Smith Barney

The Lake Avenue Group at Smith Barney

Available Services: Portfolio Management

Trust Services

Estate Planning

Philanthropic Planning

Lending Services

Home Mortgages

Refinancing

Construction Financing

Mutual Funds

Annuities

Retirement Accounts

Structured Settlements

Financial Planning Analyses

Net Worth Analysis

Asset Allocation Analysis

Education Funding Analysis

Employee Stock Option Analysis

Distribution Analysis

Retirement Analysis

Estate Planning Analysis

Insurance Services

Long Term Care

Life - Term - Whole

Disclaimers

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. Loans may be made by Smith Barney or by affiliates within Citigroup. Loan types, criteria and approval vary by location, program and by lender, respectively.

© 2005 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. CITIGROUP and the Umbrella Device are trademarks and service marks of Citicorp or its affiliates and are used and registered throughout the world.

The Lake Avenue Group at Smith Barney