1. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 The Wealth Management Process How We Work With You Thomas J. Rommack, CFP First Vice President - Wealth Management Virginia L. Lynn Financial Planning Specialist Jupiter Lighthouse Group at Smith Barney

2. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 What Can Wealth Management Do For You? That depends on what you want. Many of us work as hard as we can, try to save as much as we can, and hope that somehow we will be able to raise our families, acquire assets and perhaps leave a legacy for the ones we love. Wealth Management helps you determine what’s really important to you, then develops actionable strategies to help you realize your most cherished hopes and defend against the things that might undo them.

3. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 What does Wealth Management Involve? The process begins by talking to us, but not just about how the market is doing or whether to reallocate your assets or discussing the latest stock opportunity. This conversation will go beyond investments and for some clients, it might not be especially comfortable. You’ll be asked about your fondest aspirations for yourself and your family, your feelings about where you are and where you hope to be, and, of course, your fears, and the things that might prevent you from getting what you want.

4. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 ? What does Wealth Management Involve? Our team will work closely with other SmithBarney professionals who specialize in disciplines such as lending, risk management, and asset protection to craft a comprehensive wealth management plan for your consideration. Your plan will encompass every aspect of your finances – from whether you’ll be able to retire as planned, to what if your daughter gets accepted at medical school, to how you can ensure that your business keeps running even if you are not there to run it. And best of all, your plan contains specific strategies developed in concert with each other, so that each strategy takes into account its impact on the others.

5. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Consider Wealth Management? There are infinite reasons to embrace wealth management with the Lighthouse Group at SmithBarney, and only some of them involve investing. Specifically, you can expect Tom, Virginia and their team to take full advantage of the considerable resources available at SmithBarney and Citigroup to address your needs in such areas as: Income and Lifestyle Borrowing Strategically Protection of Your Assets Managing Your Assets

6. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Consider Wealth Management? Income and Lifestyle Is your income enough to support your current lifestyle, and the lifestyle to which you aspire? Can you afford to send your kids to college while you provide for a parent and/or build your second home? Is your your current cash flow and future cash flow in line with projected future expenses and will there be any assets left for the next generation?

7. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Consider Wealth Management? Borrowing Strategically Wealth Management looks at both sides of your personal balance sheet to determine the best strategies for borrowing appropriately when you are seeking to achieve your personal and business objectives.

8. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Consider Wealth Management? Protection of Your Assets Investment risk isn’t the only risk you assume. We recommend strategies to help shelter you and/or your heirs against the need to liquidate assets under duress, against family resentment that may arise from your philanthropic interests, and against the risk that today’s income may fall short while trying to maintain your lifestyle during 30 years of retirement. Wealth management also examines the consequences of assuming too much or perhaps too little risk in every area of your finances.

9. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Consider Wealth Management? Management of Your Assets Some financial advisors believe that investments are the most important part of planning for the future. We believe that your “plan for your life” should be the most important part of investing. Our philosophy is based on the simple yet powerful premise of wealth management. “Your investments and your life are uniquely intertwined.” Whether by design or by accident, they are all part of one plan. We recommend that it be by design.

10. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Engage The Jupiter Lighthouse Group at Smith Barney? Our combination of attributes distinguish our practice. Independent thinking that allows us to advocate for our clients Competence in all we do for you Comprehensive breadth without bias The reach of Citigroup resources Genuine care for our clients

11. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Engage The Jupiter Lighthouse Group at Smith Barney? Our separately managed accounts program is organized under a four-step quality management system which emphasizes cost control and risk management.

12. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 Why Should You Engage The Jupiter Lighthouse Group at Smith Barney? Fiduciary excellence is a function of how well investment advisors and investment managers follow prudent practices under normal and extraordinary conditions. We are advocates of the investment management practices which define a Global Standard of Fiduciary Excellence as developed by the Centre for Fiduciary Excellence.

13. 1001 US Highway One, Suite 700, Jupiter FL 33477 (800) 321-1024 The Jupiter Lighthouse Group at SmithBarney Thank You