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
  • Annuities1
  • Corporate Retirement Plans2
  • Divorce Financial Analysis3
  • Estate Planning Strategies4
  • Financial Planning5
  • Long Term Care Insurance6
  • Planning for Education Funding7
  • Retirement Planning8
  • Wealth Management9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

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

    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.

      Experience

      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.

        Location

        7777 Washington Village Dr
        Ste 100
        Dayton, OH 45459
        US
        Direct:
        (937) 312-2245(937) 312-2245
        Toll-Free:
        (800) 966-8077(800) 966-8077

        Meet The Four Points Group

        About Me

        Pat has over 20 years’ experience in the Financial Services industry.  He has gained the knowledge and experience essential to educating clients about their portfolios and for developing financial plans according to their individual goals and objectives.  In his practice, Pat focuses on Financial Planning and as a Portfolio Management Director he works directly with the client to create customized investment strategies to guide clients in accumulating, preserving, and transferring wealth.
        A graduate of Wright State University with a B.S. in Finance, Pat has earned the designation of Registered Investment Advisor and currently holds his Series 7, 63, 65 and Life and Health Insurance licenses.  Pat also spent 8 years in the Air Force Reserves where he was a Certified Emergency Medical Technician.
        Pat enjoys spending time with his family in Beavercreek where he has lived for the past 15 years.   Pat is the Leukemia & Lymphoma Society’s 2016 Man of the Year for his dedicated fundraising and volunteering efforts.  He also spends time working towards fitness challenges and adventure races.
         
        The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program.  The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morgan stanley.com/ADV or from your Financial Advisor.
        Securities Agent: TX, OH, WI, WA, VA, TN, SC, OR, OK, NY, NV, NC, MN, MI, MA, KY, KS, IN, HI, GA, FL, CO, CA, AL; General Securities Representative; Investment Advisor Representative

        About Me

        Jennifer has been with Morgan Stanley since 2010 and takes pride in developing comprehensive financial plans for her clients.  She focuses on assisting clients with developing financial goals and objectives, while uncovering the needs for their immediate and future plans.  She does this with a customized approach that is unique to each of her client’s individual financial situations.   Jennifer, currently, holds her Series 7, 66, 31, Life & Health Insurance and National Mortgage licenses.    NMLS# 1407618
         
        Jennifer is a graduate of Wright State University in Dayton, OH, with a Bachelor of Science in Business Administration.  She lives in Springboro with husband Todd, and their two children. She enjoys reading, gardening, and sports such as, rock climbing and trail running.  She spends much of her time volunteering for The Human Race Theatre and several youth organizations and the Leukemia & Lymphoma Society.
        Securities Agent: TX, OH, WI, WA, VA, TN, SC, OR, OK, NY, NV, NC, MN, MI, ME, MA, KY, KS, IN, HI, GA, FL, CO, CA, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
        NMLS#: 1407618

        About Me

        Securities Agent: OH, WI, WA, VA, TX, TN, SC, OR, OK, NY, NV, NC, MN, MI, ME, MD, MA, KY, KS, IN, ID, HI, GA, FL, CO, CA, AL; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative

        About Me

        Jessica has been in the financial industry for over 5 years and joined Morgan Stanley in 2018.   She takes great pride in assisting her team making individual financial dreams and goals become a reality.   Each and every client receives the utmost care and service from Jessica.   Jessica graduated from East Stroudsburg University in Pennsylvania, with a Bachelor of Science in Sociology.   Although, not native to Ohio, she has chosen to make Dayton her permanent home with her husband, Jeff.   In her spare time, she enjoys staying physically active with a variety of activities and home improvements.   Spending quality time with friends and family is a top priority and is always up for a board game. Jessica currently holds her Series 7 and 66.   She also has her Health, Life and Variable insurance license.  
        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
        Investing in Artificial Intelligence and Automation

        Investing in Artificial Intelligence and Automation

        AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

        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
        From Clueless to Clued In: Teaching Teens About Money

        From Clueless to Clued In: Teaching Teens About Money

        As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

        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
        Facing Financial Stress? Your Employer May Be Able to Help

        Facing Financial Stress? Your Employer May Be Able to Help

        Many of us face money worries. You may be able to get advice and education from an unexpected source.

        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
        Choosing an Environmental Charity

        Choosing an Environmental Charity

        There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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        Ready to start a conversation? Contact The Four Points Group today.
        Market Information Delayed 20 Minutes
        1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

        2Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

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