Judith A. McNiff, CFP Second Vice President - Wealth Management Financial Advisor Morgan Stanley Smith Barney 111 S. Pfingsten Road - Suite 200 Deerfield, IL 60015 Phone: 847-480-3602 Phone: 800-543-3623 Fax: 847-498-1546 judith.a.mcniff@smithbarney.com http://fa.smithbarney.com/judithmcniff