Lock-Grifﬁ th Group at Morgan Stanley W i l l y o u g e t t h e r e? How do you envision your retirement? Investors and their beneﬁ ciaries may beneﬁ t from a clearly deﬁ ned investment strategy to guide present and future investment decisions. www.morganstanley.com/fa/lockgrifﬁ thgroup Marc H. Lock Senior Investment Management Consultant Senior Vice President Financial Planning Specialist Financial Advisor email@example.com Wayne F. Grifﬁ th, CFP ® Senior Investment Management Consultant First Vice President Financial Advisor wayne.f.grifﬁ firstname.lastname@example.org Helping clients manage investment decisions since 1986. 5255 East Williams Circle Suite 5000, Tucson, AZ 85711 Morgan Stanley Smith Barney LLC, member SIPC. 520.745.7038 Certiﬁ ed Financial Planner Board of Standards Inc. owns the certiﬁ cation marks CFP®, CERTIFIED FINANCIAL PLANNER TM and federally registered CFP (with ﬂ ame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certiﬁ cation requirements.