Patricia Ogden Aguer
Senior Vice President,
Financial Advisor,
Investing with Impact Director
Direct:
(814) 861-1714(814) 861-1714
My Mission Statement
Experience, Personalized Engagement and Vast Firm Resources to help empower investors with confidence to envision and pursue a life with purpose and meaning
My Story and Services
With a strong commitment to adhering to the Fiduciary Standard of Care and Loyalty, I take pride in guiding a select group of clients and their families towards achieving fiscally sound financial futures. Whether the goal is retirement, a career transition, or launching a new venture, my approach begins with a clear understanding of each client’s aspirations, followed by thoughtful planning and strategic execution to help support my clients evolving lives and long-term prosperity.
Through close collaboration with financial planning and wealth analysis teams, I leverage a broad range of firm resources—including goals-based retirement strategies and comprehensive financial plans—to track cash flow, spending, and long-term outcomes. I also coordinate with tax and legal professionals to help support charitable giving strategies and legacy planning initiatives.
I hold a Bachelor of Arts degree in Psychology from Penn State University, where I served on the College of Liberal Arts Society Board and remain actively involved in the University’s Women’s Club as a proud alumna.
Through close collaboration with financial planning and wealth analysis teams, I leverage a broad range of firm resources—including goals-based retirement strategies and comprehensive financial plans—to track cash flow, spending, and long-term outcomes. I also coordinate with tax and legal professionals to help support charitable giving strategies and legacy planning initiatives.
I hold a Bachelor of Arts degree in Psychology from Penn State University, where I served on the College of Liberal Arts Society Board and remain actively involved in the University’s Women’s Club as a proud alumna.
Securities Agent: HI, AZ, VT, VA, CT, PA, MD, IL, WA, NJ, NC, GA, CO, NY, CA, MO, SC, NV, MT, FL, OR, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2608537
CA Insurance License #: 0A89476
NMLS#: 2608537
CA Insurance License #: 0A89476
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning for What You Can Control
A generation ago, retirees anticipated receiving full support from a combination of Social Security and company-sponsored plans. Today, with uncertainty tied to Social Security and continued changes in corporate retirement plans, it is increasingly important to plan for retirement.
Together we can formulate a retirement plan unique to you, to anticipate your wants and needs in the next chapter of your life.
Together we can formulate a retirement plan unique to you, to anticipate your wants and needs in the next chapter of your life.
Our Five-Step Process
Our tailored approach to manage your wealth revolves around working together to achieve your financial dreams. We will build a lasting relationship meant to help navigate unique financial challenges, helping you make informed decisions about building wealth.
1. Introductory Call
We value getting to know our clients on a personal level. Our first call is to introduce ourselves and understand your unique personal background. After presenting the value we'll add, we can schedule a follow up meeting to get to understand your entire financial background.
2. Understanding You Meeting
During this meeting we will get to understand your current situation financially, as well as your objectives. The goal of this conversation is to dive deeper into your unique circumstance for us to define the following steps to help you achieve your goals.
3. Analysis & Strategy Development
Here, we conduct a detailed analysis of your financial situation using various financial planning and risk analysis tools. We then develop a detailed financial plan with recommendations to help you effectively build, preserve and transfer your wealth. This analysis serves as the foundation for your initial plan, as well as future wealth management decisions.
4. Financial Plan Presentation
In this step, we present your plan in detail, which includes recommendations to make your life better. These may include changes to your asset allocation and investment strategy, as well as advice on particularly complex issues, such as estate planning and tax minimization strategies. Once we’ve discussed and refined your plan, we identify the specific investments to support the recommendations we presented.
5. Continued Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to implement each strategy we also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.
Exclusive Tools Designed Just for You
We provide access to a comprehensive suite of tools to help enhance every aspect of your financial life. Below are a few of the technologies we utilize every day. These tools have been designed exclusively for Morgan Stanley clients. We have also curated important resources from our firm that transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
To learn more and to log in, click here
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
To learn more, watch this video
Goals-Based Planning
Our goals-based planning system (GPS) is built on intellectual capital and capabilities to provide our clients with a comprehensive solution for their unique goals. GPS is an intuitive and efficient platform to ensure clients will have a successful financial plan.
Learn more about Goals-Based Planning
Online Security Center
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do.
Learn more about our security measures
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your accounts with your entire financial picture in mind.
Learn more about Total Wealth View
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn how we mitigate risk
Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
To learn about current offers, click here
Investment Perspectives Webcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check out the latest webcastREDEFINING WEALTH IN THE 21ST CENTURY
As your life and career evolve, so do your goals. We help you answer critical financial questions, adapting your strategy to reflect new priorities in your life and any significant changes in the marketplace. Here are just some of the questions we help our clients answer every day.
Retirement Planning
Have we saved enough for retirement so we can maintain our current lifestyle without worrying we’ll run out of money?
Learn more about retirement challenges
Financial Planning
I have so many things I want to do with my life. How does my approach with one of them impact all of them?
Learn more about Planning for Your Financial Future
Sustainable Investing
Is there a way to incorporate my personal values into the way I invest without giving up performance?
Learn more about Investing with Impact
Professional Portfolio Management
What is the best method to manage my wealth to impact the future generations of my family?
Learn more about portfolio management
Estate Planning Strategies
How do I balancing leaving a lasting legacy with providing help for those who are important to me now?
Alternative Investments
When does it make sense to add alternative investments (such as real estate or private equities) to my investment strategy?
Learn more about Alternative InvestmentsClient Service Team
Kirk Aguer - Wealth Management Associate
Phone:
(814) 861-1724(814) 861-1724
Email:kirk.aguer@morganstanley.com
As a partner with Patricia Aguer, I have more than three decades of professional investment experience at Morgan Stanley.* I earned a B.A. in international business at San Francisco State University. I am a past President of the State College Rotary and a past board member of the Civil War Era Center at Pennsylvania State University. I am currently on the board of directors of Eyeshine, based in Santa Barbara California. My wife, Trish, and I reside in Boalsburg, Pennsylvania. Our son, Chase, is a resident of Los Angeles.
*Reference to length of service at Morgan Stanley includes years at Morgan Stanley and predecessor firms.
*Reference to length of service at Morgan Stanley includes years at Morgan Stanley and predecessor firms.
Nanette Hall - Wealth Management Associate
Phone:
(814) 861-1732(814) 861-1732
Email:Nanette.Hall@morganstanley.com
Nanette Hall is a Portfolio Associate with 26 years of financial services industry experience, joining Morgan Stanley in 2013. In this role, she works to help facilitate client service, trades, account maintenance and coordinates the overall day-to-day operations. Prior to joining Morgan Stanley, Nanette held the position of an Investment Associate at Merrill Lynch in State College and a Portfolio Accountant with OFII, Oppenheimer Funds Institutional Inc. Nanette currently holds a series 7, 9, 10 and 66 with the Financial Industry Regulatory Authority (FINRA).
Location
720 S Atherton St 1st
Floor
St. College, PA 16801
US
Direct:
(814) 861-1714(814) 861-1714
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Patricia Ogden Aguer today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
