Financial Advisor Josephti Cruz Helps You Chart Your Path for

Tomorrow Josephti Cruz does more than manage your money. She appreciates what that money represents – your children’s education, your new home, even the quality of care you’ll receive later in life. Josephti knows that financial planning is, at its core, about people. Her degree in psychology from UCLA gives her a behavioral insight into the financial markets – and the people who invest in them. In 10+ years she’s gone from being a fixed income analyst at Wilshire Associates to winning accolades for her commitment to client service at AllianceBernstein. At Alliancebernstein she was a brand manager and later, relationship manager for a $3.4B retirement plan. In her last role, as VP- Relationship Manager, Defined Contribution, Josephti helped implement large-scale investment and regulatory solutions for Fortune 500 401(k) plans. She began her career as an analyst at Wilshire Associates, best known for the Wilshire 1000 index. In today’s global marketplace, the scope of Josephti’s experience coupled with the depth of her knowledge can give you an advantage in planning your future. Wherever you are today – just starting out, mid-course, or ready to retire – Josephti works with you to chart your path for tomorrow. advised in writing, Smith Barney is

Josephti Cruz Financial Advisor

citi smith barney

450 Lexington Avenue, 40th Floor New York, New York 10017

212-692-2964 Office 212-692-2990 Fax

josephti.cruz@smithbarney.com http://fa.smithbarney.com/josephticruz/ its

affiliates, and are used and registered throughout the

world. Call or Email When You’re Ready

to Take Your Life Back

Everything’s Going

To Be Alright

America’s been down this economic

road before . . . and Smith Barney was there.

Recovery happens in America’s economic life. Let Smith Barney help recovery happen in Your life – no matter what your financial situation is.

Just ask. We’ll tell you how. ♦

Sit down with Josephti . . . she’ll show you how.

Do You Need To Understand How To Save So You Can Gain

Control of Your Financial Future?

Then you probably want someone who can truly empathize with a tough financial situation … someone who will listen … someone who can help.

At Smith Barney we know • Your 401k has probably been hit hard and needs to be rescued • Your debt may be out of control • Your expenses might need to be managed • You may need a way to extend your savings

We understand.

Our mission is to create a plan for spending and saving so you can live

And Here’s How We Put Your Life Back On Track

► We see to it that your portfolios are properly positioned for retirement ► You’re guided on how to allocate your assets ► We advise you about which investments are appropriate for your unique situation ► You ask tough questions; we do away with the pomp and circumstance and provide straightforward, understandable answers.

♦

Our plans are personally tailored to your needs.

Our clients’ finances

support the life they envisioned.

And because it works, we continue to use this approach.

Why we’re different: We listen. Your

comfort is such a HUGE priority, we don’t wait for you to call us . . . we call to check

on you.

Smart Planning Services

Tell us your goals, share your concerns, and at no cost to you, we’ll create a complimentary, written plan that includes: • Net-worth analysis A thorough

inventory of your assets and liabilities • Retirement analysis We’ll detail your sources of income and specify how much you may need to save to overcome any projected shortfall. • Asset allocation We will include

recommended investment strategies based on your goals, risk tolerance and time horizon. • Education funding Your plan will estimate the future cost of education, provide a savings recommendation and show the potential growth of various savings vehicles. • Estate planning Your plan will include strategies aimed at reducing those taxes, such as lifetime gifting, the proper titling of assets, and trusts.