Lock-Grifﬁ th Group at Morgan Stanley Smith Barney Do you value advice? Investing can be a difﬁ cult and challenging business. The consequences of getting it wrong may be serious -both to investors and their beneﬁ ciaries. Read our research report, “The Value of Advice” by visiting our website. www.morganstanley.com/fa/lockgrifﬁ thgroup -Go to Featured Report Marc H. Lock Investment Management Consultant Senior Vice President Financial Planning Specialist Financial Advisor firstname.lastname@example.org Wayne F. Grifﬁ th, CFP ® Investment Management Consultant First Vice President Financial Advisor wayne.f.grifﬁ email@example.com Helping clients manage investment decisions since 1986. 5255 East Williams Circle Suite 5000, Tucson, AZ 85711 520.745.7038 Morgan Stanley Smith Barney LLC, member SIPC.