The Lake Avenue Group at Smith Barney
301 North Lake Avenue, Penthouse, Pasadena, CA 91101 (800) 362-6992 Fax (626) 449-7121
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 Professionals
Over 50+ 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
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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.
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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
Rebecca A. Gonzaga, Registered Client Service Assistant
Rebecca is responsible for operational support and client services.
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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.
• Series 7 & 63 licensed
Meet the People
The Lake Avenue Group at Smith Barney
P. Darius Raulinaitis, CFA®
First Vice President – Wealth Management
Portfolio Manager / Financial Advisor- p.darius.raulinaitis@smithbarney.com
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
six year old daughter just finished her fourth season on skis and recently picked up skateboarding, obviously following in her Dad’s
footsteps for adventure.
Laura M. Norris, CFP®
Financial Planning Specialist, Financial Advisor- laura.m.norris@smithbarney.com
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. She communicates regularly and 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. She belongs to such organizations as
the Dude Ranchers Association, National Association for Female Executives and the Sierra Club. Laura lives in Pasadena yet misses
the small town country life. She enjoys riding horses and the occasional two step dancing.
Rebecca Gonzaga
Registered Client Service 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 runs the group from an
operational perspective. Rebecca is a resource to clients, answering questions and researching issues. Rebecca lives in La Verne.
She is proud to have a beautiful garden at her home and will happily offer some of her favorite rose bush ideas. She is also very
familiar with the need for our clients to utilize Education Savings accounts, as she has two children currently in college.
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.
© 2006 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 Citigroup Inc. or its affiliates and are used and registered throughout the world.