The Four Points Group at Morgan Stanley

Contact Us
The Four Points Group


We formed The Four Points Group to help our clients navigate to their unique goals and dreams.

Our Story and Services

Our Story

Pat Moran formed The Four Points Group to help our clients navigate to their unique goals and dreams.  Like the points of a compass, we guide our clients with a financial direction to achieve those goals by developing comprehensive financial plans and managing customized investment portfolios.

Services Include

  • 401(k) Rollovers
  • Annuities
  • Corporate Retirement Plans
  • Divorce Financial Analysis
  • Estate Planning Strategies
  • Financial Planning
  • Long Term Care Insurance
  • Planning for Education Funding
  • Retirement Planning
  • Wealth Management

Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck.



  • 4380 Buckeye Lane
  • Suite 200
  • Beavercreek, OH 45440

    Working With You

    Working With You

    We begin the planning process by working with our client’s to understand the goals and dreams they are working hard to achieve.  We carefully assess each client’s time horizon, risk tolerance, and preferences they are comfortable with.  The planning process may include working with a client’s accountant or attorney; this helps us create the most holistic plan possible.  After working to create a plan, we rely on our years of experience and the abundant research available to us at Morgan Stanley to create a custom tailored investment portfolio.  
    Customized investment portfolios can include a wide variety of investments that range from traditional equities to complex structured products. Depending on specific needs, we also assist with life insurance, long-term care insurance, private banking and estate planning.
    Lastly, we believe that monitoring and reviewing each client’s investments and portfolio is the best way to ensure we are heading in the right direction. Our approach combines quarterly investment reviews and suggested semi-annual client meetings.  This, along with a daily market evaluation is the best formula to provide the timeliest service possible. 

    Community Involvement

    Community Involvement

    The Four Points Group strives to give back to our community in a meaningful way.  Most notably, our team is proudly supporting the Leukemia & Lymphoma Society on an on-going basis.  We have raised over $72,000 for the organization since 2015.  Pat Moran was nominated as a 2016 Man of the Year Candidate The Man of the Year Campaign is a friendly competition between local professionals to raise the most funds for LLS.  Each member of The Four Points Group has continued to organize a series of fundraisers for LLS candidates and the Light the Night event.   In addition, each team member spends countless hours throughout the year volunteering for several different organizations that includes the performing arts, youth sports, and local schools.



    The Four Points Group at Morgan Stanley has over 60 years of combined experience in the Financial Services and Investment industry.  Our team's approach is to utilize each team member's unique experience and background to focus on different aspects of Wealth Management for each of our clients individual needs; including Financial Planning, Portfolio Management, Banking & Lending, Long Term Care Insurance, Variable, Life, and Health Insurance.  

    Meet The Four Points Group


    Working closely with you to guide your wealth and investments through the most challenging market cycles.

    • Asset management
    • Traditional investments
    • Alternative Investments
    • Impact Investing


    Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

    • 401(k) Rollovers
    • IRA Plans
    • Retirement income strategies
    • Annuities


    Creating customized financial strategies for the challenges that today's families face.

    • Estate Planning
    • 529 Plans / Education Planning
    • Long Term Care Insurance
    • Trust Services and Accounting

    Business Planning

    Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Corporate Pension Funds


    Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.

    • Endowments
    • Foundations
    • Donor Advised Funds
    • Impact Investing

    Ready to start a conversation? Contact The Four Points Group today.

    Dow    -460.19


    Nasdaq    -196.29


    S&P 500    -54.17

    Market Information Delayed 20 Minutes

    This information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

    Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: Any profiles and associated content are for U.S. residents only

    *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

    Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

    The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.

    Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

    Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management AnalystSM (with graph element)®, and Certified Investment Management AnalystSM .

    *Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC

    * Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.

    Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

    Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

    Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

    Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.

    CRC 1369093   12/15

    Awards Disclosures