About Us

In today’s complex environment, there are often many reasons to seek financial guidance. With over 250 years of combined industry experience we, The Arata O’Sullivan Group at Morgan Stanley, are a full service advisory team providing financial planning, investment, risk management and lending solutions. As a premier investment advisory group, we focus on delivering sound advice coupled with exceptional service and support.

We encourage you to contact us to schedule a complimentary meeting to explore any of our services.
Services Include
  • Wealth Management1
  • Financial Planning2
  • Sustainable Investing3
  • Trust Accounts4
  • Life Insurance5
  • Annuities6
  • Lending Products
  • 401(k) Rollovers
  • Retirement Planning7
  • Estate Planning Strategies8
  • Long Term Care Insurance9
  • Planning for Education Funding10
  • 529 Plans11
  • UGMA/UTMA12
  • Corporate Bonds13
  • Municipal Bonds14
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*

Location

23 Water Street
Bangor, ME 04401
US
Direct:
(207) 561-2000(207) 561-2000
Toll Free:
(877) 475-9115(877) 475-9115

Meet The Arata O'Sullivan Group

About Me

Contact Information:
Tel: (207) 561-2015
E-mail: william.arata@morganstanley.com
Biography:
•Registered in the financial industry since 1969
•Graduate of Bates College with B.A.in Spanish 1965
•Served three years with the United States Marine Corp in Vietnam and Philippines with final rank of Captain 1966-1969
•Past President Penobscot Chapter American Red Cross
•Past President Operation Liftoff
•Licenses: Series 7, 63, 65 and Life and Health Insurance
Securities Agent: AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, PA, SC, TX, VA, WA, WY; Investment Advisor Representative; General Securities Representative

About Me

Contact Information:
Tel: (207) 561-2002
E-mail: jeffrey.o'sullivan@morganstanley.com
Biography:
•Registered in the financial industry since 1987
•Graduate of Bowdoin College with B.A in Economics 1985
•Member of the National Annuity Financial Advisor Advisory Council
•Member of New England Region Managing Director's Advisory Committee
•Member of Anah Shrine
•Licenses: Series 7, 63, 66 and Life and Health Insurance
Securities Agent: AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, PA, SC, TX, VA, VT, WA, WI, WY; Investment Advisor Representative; General Securities Representative
NMLS#: 1377888

About Me

Contact Information:
Tel: (207) 561-2016
E-mail: daniel.rozario@morganstanley.com
Biography:
•Registered in the financial industry since 1996
•Graduate of Husson College with M.S. in Business 1991
•Licenses: Series 7, 63, 65 and Life and Health Insurance
Securities Agent: AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NM, NV, NY, OH, PA, SC, TX, VA, WA, WY; Investment Advisor Representative; General Securities Representative

About Me

Contact Information:
Tel: (207) 561-2017
E-mail: aram.khavari@morganstanley.com
Biography:
•Registered in the financial industry since 1998
•Graduate of The University of Vermont with B.A. in English Literature 1995
•Graduate of the Bangor Region Leadership Institute 2012
•Member of the Bangor Mechanic Association
•Board member of the Penobscot Foundation for Developmental Services

•Penobscot County Committee Member of the Maine Community Foundation
•Licenses: Series 6, 7, 63, 66 and Life and Health Insurance
Securities Agent: AL, AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, LA, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, PA, SC, TN, TX, VA, WA, WI, WY; Investment Advisor Representative; General Securities Representative

About Me

Contact Information:
Tel: (207) 561-2014
E-mail: robert.freese@morganstanley.com
Biography:
•Registered in the financial industry since 2005
•Graduate of Wheaton College with B.A. in Economics 2001
•Graduate of the American Graduate School of Business in Switzerland with MIBA 2005
•Member of the Bangor Lion's Club
•Member of the Bangor Y Investment Committee
•Board member of OHI
•Board member of The Good Samaritan Agency
•Licenses: Series 7, 66 and Life and Health Insurance
Securities Agent: AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, PA, SC, TX, VA, WA, WY; Investment Advisor Representative; General Securities Representative

About Me

Contact Information:
Tel: (207) 561-2008
E-mail: ryan.willette@morganstanley.com
Biography:
•Registered in the financial industry since 2011
•Graduate of The University of Maine with B.A. in Business Administration, Concentration in Finance, 2008
•Board member of Chamberlain Place Senior Housing
•Active Volunteer for United Way of Eastern Maine
•Licenses: Series 7, 66 and Life and Health Insurance

About Me

Contact Information:
Tel: (207) 561-2021
E-mail: marinna.robinson@morganstanley.com
Biography:
•In the financial industry since 2007
•Graduate of The University of Maine with B.A. in Communications, Sciences and Disorders 2006

About Me

Contact Information:
Tel: (207) 561-2019
E-mail: droozong.hon@morganstanley.com
Biography:
•Registered in the financial industry since 2016
•Graduate of The University of Maine with MBA 2013
•Licenses: Series 7, 66 and Life and Health Insurance

About Me

Contact Information:
Tel: (207) 561-2013
E-mail: joanna.farris@morganstanley.com
Biography:
•In the financial industry since 1984
•Graduate of Bangor High School 1976

Investment and Market Perspectives

On the Markets

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
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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
Five Smart Strategies to Use a Bonus or Raise

Five Smart Strategies to Use a Bonus or Raise

Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

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
Financial Transition: A Guide for Women

Financial Transition: A Guide for Women

Here's how to take control of your finances if a death or divorce leaves you holding the reins.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Qualified Retirement Plans
  • Corporate Pension Funds
6 Keys to Building a Startup

6 Keys to Building a Startup

Entrepreneurs share ideas and learnings from the experience of starting a company.

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
A New Roadmap for Mission Alignment

A New Roadmap for Mission Alignment

Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

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Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
Learn more about Morgan Stanley and Justin Rose: A Winning Team
Your Financial World. On the Go.

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With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
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Reserved | Living & Giving

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Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Sign Up for eDelivery

Sign Up for eDelivery

With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Learn more about Sign Up for eDelivery
Access Morgan Stanley Online

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Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
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Ready to start a conversation? Contact The Arata O'Sullivan Group today.
Market Information Delayed 20 Minutes
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

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.

3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.

4Morgan 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.

5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

8Morgan 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.

9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

12Morgan 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.

13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

14Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

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 suitable 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”) 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.


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