Lock-Grifﬁ th Group at Morgan Stanley Family Matters... Your Estate Plan is in Place… But is Your Family Prepared? Learn How to Start the Conversation. www.morganstanleyfa.com/lockgrifﬁ thgroup/ Marc H. Lock Wayne F. Grifﬁ th, CFP ® Senior Investment Management Consultant Senior Vice President Financial Planning Specialist Financial Advisor email@example.com 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 Certiﬁ ed Financial Planner Board of Standards Inc. owns the certiﬁ cation marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with ﬂ ame design) in the U.S. Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax advisor. 520.745.7038 CRC734825 09/13 Morgan Stanley Smith Barney LLC. Member SIPC.