Lou Ardito
Financial Advisor
Phone:
(631) 548-4024(631) 548-4024
Ardito and McCarrick Team at Morgan Stanley
Direct:
(631) 548-4025(631) 548-4025
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
Our Team
The Ardito and McCarrick Group is a Wealth Management team headquartered in Riverhead and Melville, NY. We area a five member senior advisory team that formed with the goal of developing and implementing personalized wealth management strategies for individuals, business owners, and corporate executives. The senior members of the team, Louis Ardito, Thomas McCarrick and Michael McCarrick, have over 60 years of experience in the financial industry and utilize their vast knowledge and experience to help realize their client’s financial objectives. In addition to their personal acumen, the Ardito and McCarrick Group will leverage the broad resources and intellectual capital at Morgan Stanley in implementing wealth management strategies in a cost efficient manner.
Our Mission
It is our mission to exceed our clients' expectations in our commitment to their financial success and happiness. Our ultimate goal is to create and preserve wealth and earn our clients' trust and confidence while building lifelong relationships. We will do so by providing a broad range of investment products and services with unparalleled personal customer service with a focus in doing so in a cost effective manner. We will at all times maintain the highest levels of ethics, integrity and professionalism while we commit to being integral parts of the communities we work with.
The Ardito and McCarrick Group is a Wealth Management team headquartered in Riverhead and Melville, NY. We area a five member senior advisory team that formed with the goal of developing and implementing personalized wealth management strategies for individuals, business owners, and corporate executives. The senior members of the team, Louis Ardito, Thomas McCarrick and Michael McCarrick, have over 60 years of experience in the financial industry and utilize their vast knowledge and experience to help realize their client’s financial objectives. In addition to their personal acumen, the Ardito and McCarrick Group will leverage the broad resources and intellectual capital at Morgan Stanley in implementing wealth management strategies in a cost efficient manner.
Our Mission
It is our mission to exceed our clients' expectations in our commitment to their financial success and happiness. Our ultimate goal is to create and preserve wealth and earn our clients' trust and confidence while building lifelong relationships. We will do so by providing a broad range of investment products and services with unparalleled personal customer service with a focus in doing so in a cost effective manner. We will at all times maintain the highest levels of ethics, integrity and professionalism while we commit to being integral parts of the communities we work with.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
The Ardito and McCarrick Group utilize a four-step process to help their clients achieve their financial goals while managing the associated risks:
Establishing Objectives
We will help clients define their various financial goals and ensure that both the client and advisory team understand and prioritize their importance.
Setting Your Strategies
Once the client’s goals are defined, we will then work with them to develop a personalized wealth management plan based upon their time horizon, risk tolerance, and any other pertinent factors. Utilizing this plan, we will then create a disciplined and well thought out strategy designed to help the client attain their objectives while helping to limit their risk.
Implementing Recommendations
Following the wealth management plan and investment strategy developed with the client, we will carefully implement our recommendations.
Measuring Your Progress
During regularly scheduled meetings, we will review and re-evaluate the client’s needs and concerns, and recommend any changes we may feel are necessary. We feel it is important to carefully and consistently assess the progress of the portfolio and modify the wealth management plan as you advance towards your goals.
Our Values
There are six core values that we strive to provide throughout the wealth management process:
1. Organization: We will help you bring order to your financial life by assisting you in getting your financial house in order. This includes everything from your investments and estate planning needs to your household cash flow for routine expenses.
2. Accountability: We will help you complete your financial commitments by helping you prioritize your goals, showing you the necessary steps to achieve said goals, and regularly reviewing your progress towards their achievement.
3. Objectivity: We will provide insight garnered from both our extensive experience and Morgan Stanley's award winning research team to help you make informed, well thought out decisions. Furthermore, we are committed to helping you avoid making emotionally driven decisions which can be quite damaging during periods of turmoil.
4. Proactive: We will work with you to anticipate your life transitions and take any measures necessary to help ensure you are financially prepared. It is during these periods of change that your wealth management plan will be especially helpful.
5. Education: During any decision making process, we will take the time to carefully explain the various options, as well as the benefits and risks associated with each choice.
6. Collaboration: We will attempt to help you achieve financial wellbeing by working in concert with you, not just for you. In order to make this possible, we will take the time to clearly understand the client’s background, philosophy, needs and objectives. We view wealth management as a collaborative process that will require hard work, careful planning, and most importantly, trust.
1. Organization: We will help you bring order to your financial life by assisting you in getting your financial house in order. This includes everything from your investments and estate planning needs to your household cash flow for routine expenses.
2. Accountability: We will help you complete your financial commitments by helping you prioritize your goals, showing you the necessary steps to achieve said goals, and regularly reviewing your progress towards their achievement.
3. Objectivity: We will provide insight garnered from both our extensive experience and Morgan Stanley's award winning research team to help you make informed, well thought out decisions. Furthermore, we are committed to helping you avoid making emotionally driven decisions which can be quite damaging during periods of turmoil.
4. Proactive: We will work with you to anticipate your life transitions and take any measures necessary to help ensure you are financially prepared. It is during these periods of change that your wealth management plan will be especially helpful.
5. Education: During any decision making process, we will take the time to carefully explain the various options, as well as the benefits and risks associated with each choice.
6. Collaboration: We will attempt to help you achieve financial wellbeing by working in concert with you, not just for you. In order to make this possible, we will take the time to clearly understand the client’s background, philosophy, needs and objectives. We view wealth management as a collaborative process that will require hard work, careful planning, and most importantly, trust.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
Learn About Our Planning ToolsUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Location
611 E Main St
Riverhead, NY 11901
US
Direct:
(631) 548-4025(631) 548-4025
Meet Ardito and McCarrick Team
Phone:
(631) 548-4025(631) 548-4025
Thomas McCarrick
Financial Advisor
Phone:
(631) 548-4040(631) 548-4040
Patricia Melahris
Senior Registered Associate
Phone:
(631) 548-4032(631) 548-4032
Joanne Jacobs-Perkins
Senior Registered Associate
Phone:
(631) 548-4002(631) 548-4002
About Lou Ardito
Securities Agent: WI, WA, VA, TX, SC, OH, OR, NY, NV, RI, NJ, NH, NC, MN, ME, MD, IL, GA, CT, PA, AZ, CA, CO, DE, FL, DC, MA, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 578688
NMLS#: 578688
About Mike McCarrick
Michael McCarrick is a financial advisor at Morgan Stanley. Prior to joining Morgan Stanley in 2017, Michael began his career as a financial advisor at Merrill Lynch in 2011 after earning his Bachelor’s degree in Finance from Lehigh University.
As a partner in The Ardito & McCarrick Group, Michael’s primary responsibilities include managing client relationships, developing detailed investment strategies, assisting in liability management, and coordinating with accountants, attorneys and other professionals to help manage client’s complete financial lives. Throughout this process, there is a focus on comprehensive financial planning to ensure that his clients are in a position to meet their financial goals.
In his free time, Michael enjoys golfing and skiing, and most importantly, spending time with his wife Sara and their son Jack.
As a partner in The Ardito & McCarrick Group, Michael’s primary responsibilities include managing client relationships, developing detailed investment strategies, assisting in liability management, and coordinating with accountants, attorneys and other professionals to help manage client’s complete financial lives. Throughout this process, there is a focus on comprehensive financial planning to ensure that his clients are in a position to meet their financial goals.
In his free time, Michael enjoys golfing and skiing, and most importantly, spending time with his wife Sara and their son Jack.
Securities Agent: OH, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, MA, ME, MN, NC, NH, NJ, NV, NY, OR, PA, RI, SC, TX, VA, WA, WI, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 949822
NMLS#: 949822
About Thomas McCarrick
Securities Agent: FL, AZ, NY, MD, DE, NV, OH, WA, NC, ME, CO, CA, TX, RI, OR, IL, DC, VA, NH, CT, WI, NJ, KS, PA, SC, MN, MA, GA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 577460
NMLS#: 577460
Contact Lou Ardito
Contact Mike McCarrick
Contact Thomas McCarrick
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Ready to start a conversation? Contact Ardito and McCarrick Team today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The 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:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The 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:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
