David W Wright, CRPS®, CFP®, CEPA®
Executive Director, Financial Advisor, Senior Investment Management Consultant, Financial Planning Specialist, Corporate Retirement Director
Phone:
(401) 276-5977(401) 276-5977
The North Atlantic Group at Morgan Stanley
David W Wright, CRPS®, CFP®, CEPA®Richard G Carriere, CFP®, CEPA®, CAP®Patricia A CraddockMatthew V. Marcantonio, CFP®, CIMA®, CRPS®
Direct:
(401) 276-5902(401) 276-5902
Direct:
(401) 276-5956(401) 276-5956
Our Mission Statement
With a deep understanding of your priorities, we provide the wisdom, knowledge and experience to help you achieve the financial goals you’ve set for you and your family.
Our Team
Comprehensive wealth management takes a unique set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who has acquired the insights, wisdom and experience needed to tackle your family’s personal financial challenges.
At The North Atlantic Group, we are a seasoned advisory team who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, we focus on what is most important to you. We provide the skills, sophisticated strategies and disciplined process needed to help you make informed, confident decisions about your future, your family and your finances with clarity and confidence.
We use our astute problem-solving skills coupled with an impassioned willingness to roll up our sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience can potentially be.
We combine the world-class resources of a premium global firm with the intimate relationship you expect from a boutique. Our team includes three Certified Financial Planners®, a Chartered Advisor in Philanthropy®, two Chartered Retirement Plans Specialists®, two Certified Exit Planning Advisors®, a Certified Investment Management Analyst®, and three former Certified Public Accountants (non-practicing at Morgan Stanley). These advanced credentials truly set us apart and help us offer innovative thinking based on some of the best practices in the industry.
Today, our team has over $1.332 billion in assets under management. We are proud of the services and solutions we offer our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
As of 30 January 2024
At The North Atlantic Group, we are a seasoned advisory team who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, we focus on what is most important to you. We provide the skills, sophisticated strategies and disciplined process needed to help you make informed, confident decisions about your future, your family and your finances with clarity and confidence.
We use our astute problem-solving skills coupled with an impassioned willingness to roll up our sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience can potentially be.
We combine the world-class resources of a premium global firm with the intimate relationship you expect from a boutique. Our team includes three Certified Financial Planners®, a Chartered Advisor in Philanthropy®, two Chartered Retirement Plans Specialists®, two Certified Exit Planning Advisors®, a Certified Investment Management Analyst®, and three former Certified Public Accountants (non-practicing at Morgan Stanley). These advanced credentials truly set us apart and help us offer innovative thinking based on some of the best practices in the industry.
Today, our team has over $1.332 billion in assets under management. We are proud of the services and solutions we offer our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
As of 30 January 2024
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- 401(k) Rollovers
- Planning for Education FundingFootnote5
- Corporate Retirement PlansFootnote6
- Philanthropic Services
- Planning for Individuals with Special Needs
- Business Succession PlanningFootnote7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Client-Focused Practice
Years ago, when we made the decision to become financial advisors, we gave a lot of thought to the types of individuals and families we wanted to help. We asked ourselves what were our strengths and skills, and who would best be served by our experience, perspectives and values.
While each client has a unique set of goals and circumstances, they collectively have one thing in common: They want to secure their financial future and pursue their personal ambitions.
As you work with us, we are confident you will find the solutions we recommend are carefully coordinated to provide the knowledge and insights needed to help succeed in today’s fast-paced world. We are skilled at working closely with your other wealth professionals – such as your CPA, estate and/or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
While each client has a unique set of goals and circumstances, they collectively have one thing in common: They want to secure their financial future and pursue their personal ambitions.
As you work with us, we are confident you will find the solutions we recommend are carefully coordinated to provide the knowledge and insights needed to help succeed in today’s fast-paced world. We are skilled at working closely with your other wealth professionals – such as your CPA, estate and/or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
Over the years, we built a dynamic practice that consists of a broad range of clients:
- Highly successful individuals
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Business owners and corporate executives with concentrated wealth
- Widows and Widowers seeking guidance for themselves and their families
- Referrals from clients and industry professionals
Helping navigate life-changing events with confidence. These events include:
- A new job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a loved one
- Caring for an ill parent/family member
- A large inheritance
- Save effectively so children can attend the colleges of their choice
- Plan for retirement
- Finance a major acquisition or strengthen a business
- Diversify highly concentrated positions
- Tax efficient investment strategies
- Transfer wealth across generations
- Create a legacy plan to help preserve family harmony as well as assets
- Help achieve philanthropic goals
Our Core Values
We are committed to the following core values we believe differentiate us from other advisory teams and serve as the foundation of our practice.
Caring Relationships
We build longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals, families and business leaders who value our depth of knowledge and experience in providing comprehensive solutions that go well beyond investments. The bond we form with each client is fundamental to our mission, and it is our hope that it spans generations.
Knowledge and Experience
Our leadership team includes three Certified Financial PlannersTM, a Chartered Advisor in Philanthropy®, and two Chartered Retirement Plans Specialists®. David and Richard also earned their Certified Public Accountant designations prior to joining Morgan Stanley (they are currently non-practicing accountants at Morgan Stanley). This concentration of education and credentials is rare in one group of advisors. We use our technical and analytical skills to research, evaluate and recommend appropriate strategies to address your particular needs and goals.
A Team Approach
The diversity of our background and experience enables us to deliver fresh ideas for today’s complex world. We believe it is important to collaborate with your accountant, attorney and other specialists to build a comprehensive and cohesive plan that encompasses all aspects of your life. We are very comfortable serving as the lead advisor, helping ensure all the professionals you’ve hired are working together – and in tandem – to address your priorities.
Tailored Service
We recognize every client is different. Some require in-depth explanations of investment concepts, while others understand those concepts thoroughly and prefer advisors with whom they can formulate strategies. We are committed to helping you achieve your goals in a manner that aligns with your expectations of a concierge experience.
Commitment to Community
At The North Atlantic Group, we are a closely-knit team of seasoned professionals. We value loyalty to each other and to the individuals, families and organizations we serve every day. We have deep roots in our community and a deeper commitment to sustaining its character for future generations.
Through a variety of collaborative efforts, we are highly engaged in helping create a better and brighter future. Our relationship with various organizations supports important initiatives and causes ranging from assisting children with life threatening diseases to helping meet the growing demands of the people and business leaders of Rhode Island.
Individually and collectively, we serve a number of vital organizations that include:
- The United Way of Rhode Island
- The Rhode Island Foundation
- The Rhode Island Business Competition
- Hope Hospice and Palliative Care of Rhode Island
- YMCA South Coast
- Junior Achievement
- The Double “H” Ranch in Lake Luzerne, NY
Morgan Stanley’s culture of global citizenship is something we embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society. We are proud to be members of the Morgan Stanley family and carry on the firm’s philanthropic tradition.
Through a variety of collaborative efforts, we are highly engaged in helping create a better and brighter future. Our relationship with various organizations supports important initiatives and causes ranging from assisting children with life threatening diseases to helping meet the growing demands of the people and business leaders of Rhode Island.
Individually and collectively, we serve a number of vital organizations that include:
- The United Way of Rhode Island
- The Rhode Island Foundation
- The Rhode Island Business Competition
- Hope Hospice and Palliative Care of Rhode Island
- YMCA South Coast
- Junior Achievement
- The Double “H” Ranch in Lake Luzerne, NY
Morgan Stanley’s culture of global citizenship is something we embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society. We are proud to be members of the Morgan Stanley family and carry on the firm’s philanthropic tradition.
Resource Center
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Putting Market Volatility in Historical Perspective
It's important to put market volatility in perspective. Mid-year corrections in the market are rather common and it's important to maintain a long-term perspective in any investment strategy. These charts can help you put market volatility in perspective.
Click here to view historical context.
401(k) Questionnaire
After participating in your employer's qualified retirement plan, you likely have earned a vested interest in all or part of your benefits. Now that you are anticipating a distribution from the plan, what should you do?
Click here to learn more about your options.
Charitable Contributions and Deduction Bunching
Among the many changes made, the tax law increased the standard deduction and significantly limited the deduction for state and local income and property taxes. Together, these changes are likely to have a significant impact on charitable giving and the ability to deduct charitable gifts.
Click here to learn more about deduction bunching
Thoughts On the Market
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Click here for the most recent podcast
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device. You’ll also have access to a wide range of digital tools through this online platform.
To learn more about MSO and its features, click here
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Read the TWV Client Guide
Keeping Market Volatility in Perspective
The coronavirus pandemic has brought fear, uncertainty and a dramatic increase in market volatility. In times like these, it’s important to stay calm and focused on your long-term financial goals.
Click here to learn more about Wealth Management Insights
Lessons in Leadership
Morgan Stanley frequently invites influential figures in the sports, music, and entertainment industries to give talks regarding their careers and experiences with leadership.
To enjoy these lessons in leadership, click here
Wealth Management Insights Webcasts
From satellite data technology used to solve some of the world's most complex problems to learning how not to follow the crowd when making decisions, the Morgan Stanley Wealth Management Insights Website series brings revealing stories about the world of business, finance, technology and beyond.
Click here to access the library of webcasts
Morgan Stanley Ideas Library
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas page brings you revealing stories about the world of business, finance, technology and beyond.
Click here to access a library Morgan Stanley Ideas
2024 Tax Tables
Each year, the tax bill outlines how significantly taxes can impact your journey toward your financial goals — and highlights the value of integrating tax-efficient strategies into your investment process.
As tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 and 2025 tax tables
2024 Tax TablesAs tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 and 2025 tax tables
2025 Tax Tables
Each year, the tax bill outlines how significantly taxes can impact your journey toward your financial goals — and highlights the value of integrating tax-efficient strategies into your investment process.
As tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 and 2025 tax tables
2025 Tax TablesAs tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 and 2025 tax tables
Contribution Limits for 2025
The Internal Revenue Service (IRS) recently announced increases in contribution limits to 401(k) and other tax-deferred retirement plans to support the continuous rise in costs of living and other expenses. The amount individuals can contribute to their 401(k) plans in 2025 has increased to $23,500, up from $23,000 for 2024. You can review all plan type 2025 contribution limits here.
Review All Plan TypesLocation
1 Financial Plaza
19th Fl
Providence, RI 02903
US
Direct:
(401) 276-5902(401) 276-5902
Fax:
(401) 369-8825(401) 369-8825
Meet The North Atlantic Group
Richard G Carriere, CFP®, CEPA®, CAP®
Executive Director, Financial Advisor, Financial Planning Specialist
Phone:
(401) 276-5967(401) 276-5967
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(401) 276-5939(401) 276-5939
Matthew V. Marcantonio, CFP®, CIMA®, CRPS®
Assistant Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(401) 863-8493(401) 863-8493
Adriane B. Medeiros
Portfolio Associate
Phone:
(401) 276-5956(401) 276-5956
Kimberly M. Jones
Senior Client Service Associate
Phone:
(401) 276-5902(401) 276-5902
Cheryl Holzberger
Client Service Associate
Phone:
(401) 276-5960(401) 276-5960
Chris Goulart
Client Service Associate
Phone:
(401) 276-5911(401) 276-5911
About David W Wright
David brings a lifetime of experience to his role as a wealth management professional. For over 20 years, he has worked with successful business owners, corporate executives and retirees, providing personalized advice through a disciplined approach. His diverse background in tax management and finance enables him to help clients understand the intricate details of their wealth. He focuses on what is most important to each family, so he can develop a customized plan to help build, preserve and transition their wealth.
A 1983 graduate of Babson College where he majored in Accounting, David earned his MST degree from Bentley University. After spending 11 years as a CPA and 4 years as CFO and later President of a privately-held manufacturing group, David desired a more client-focused role. Aligning his skills with his passion to help people solve their financial challenges, David set out to become a Financial Advisor. In 1998, he embarked on a career at Morgan Stanley, where he later joined his current partner, Richard Carriere, also a former CPA. David has been a vital member of the firm ever since.
Over the years, David has remained committed to professional development, earning his Certified Financial PlannerTM and Chartered Retirement Planning Specialist® designations. He is also a Family Wealth Advisor, Senior Investment Management Consultant and Financial Planning Specialist. These credentials demonstrate David’s commitment to ensuring a world-class experience.
A Massachusetts native, David and his wife, Lisa, now live in Mattapoisett with their two children. Active in several community organizations, David is on the Board of the local YMCA. He volunteers for Junior Achievement and is a member of the New Bedford Country Club. In his leisure time, David enjoys skiing, physical fitness and golf. To date, he has three career hole-in-ones – the first on his 10th birthday and the most recent in the fall of 2017.
A 1983 graduate of Babson College where he majored in Accounting, David earned his MST degree from Bentley University. After spending 11 years as a CPA and 4 years as CFO and later President of a privately-held manufacturing group, David desired a more client-focused role. Aligning his skills with his passion to help people solve their financial challenges, David set out to become a Financial Advisor. In 1998, he embarked on a career at Morgan Stanley, where he later joined his current partner, Richard Carriere, also a former CPA. David has been a vital member of the firm ever since.
Over the years, David has remained committed to professional development, earning his Certified Financial PlannerTM and Chartered Retirement Planning Specialist® designations. He is also a Family Wealth Advisor, Senior Investment Management Consultant and Financial Planning Specialist. These credentials demonstrate David’s commitment to ensuring a world-class experience.
A Massachusetts native, David and his wife, Lisa, now live in Mattapoisett with their two children. Active in several community organizations, David is on the Board of the local YMCA. He volunteers for Junior Achievement and is a member of the New Bedford Country Club. In his leisure time, David enjoys skiing, physical fitness and golf. To date, he has three career hole-in-ones – the first on his 10th birthday and the most recent in the fall of 2017.
Securities Agent: RI, NC, OH, MT, MN, NH, IA, CT, WY, VA, SC, FL, CO, AK, PA, MD, AZ, NY, NV, NJ, IL, OR, CA, WA, TX, GA, DC, TN, SD, ME, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297951
NMLS#: 1297951
About Richard G Carriere
A CAP® and CFP®, Richard enjoys helping families achieve their financial goals and fulfill their personal philanthropic mission. His results-driven approach includes strategies designed to simplify their financial lives, helping clients enjoy their wealth, leave the legacy they desire and make a significant impact on the causes and organizations they wish to support.
With over 20 years of experience as both a financial professional and entrepreneur, Richard brings a diverse sets of skills and experiences to his role as a Financial Advisor. Prior to joining Morgan Stanley in 1998, Richard was a CPA (not practicing at Morgan Stanley), college professor and part owner of a successful placement firm for financial professionals that he later sold to a Fortune 500 company. Each experience offers vital hand’s on knowledge that Richard generously shares with clients to help them achieve their personal goals.
A strong believer in giving back, Richard has been actively involved in community service his entire career. He has served on advisory boards for the Rhode Island Foundation, The RI Business Competition, The Double H Ranch in Lake Luzerne, NY and the United Way of Rhode Island, which honored Richard and his wife, Louise, in 2017 with the Tocqueville Society Award. Named for Alexis de Tocqueville, an historian whose work focused on creating social equality, this annual award is the highest honor presented to donors and volunteers.
Born and raised in Woonsocket, Richard and Louise now live in North Smithfield, RI. Married for 35 years, they are the proud parents of three successful adult children, a grand daughter and a grandson. Richard is a graduate of Bryant University, where he earned Bachelor’s degrees in Business Administration and Master’s Degree in Taxation. He is past president of the Bryant Alumni Association and was an adjunct faculty member at Bryant University, Providence College and Johnson and Wales University.
With over 20 years of experience as both a financial professional and entrepreneur, Richard brings a diverse sets of skills and experiences to his role as a Financial Advisor. Prior to joining Morgan Stanley in 1998, Richard was a CPA (not practicing at Morgan Stanley), college professor and part owner of a successful placement firm for financial professionals that he later sold to a Fortune 500 company. Each experience offers vital hand’s on knowledge that Richard generously shares with clients to help them achieve their personal goals.
A strong believer in giving back, Richard has been actively involved in community service his entire career. He has served on advisory boards for the Rhode Island Foundation, The RI Business Competition, The Double H Ranch in Lake Luzerne, NY and the United Way of Rhode Island, which honored Richard and his wife, Louise, in 2017 with the Tocqueville Society Award. Named for Alexis de Tocqueville, an historian whose work focused on creating social equality, this annual award is the highest honor presented to donors and volunteers.
Born and raised in Woonsocket, Richard and Louise now live in North Smithfield, RI. Married for 35 years, they are the proud parents of three successful adult children, a grand daughter and a grandson. Richard is a graduate of Bryant University, where he earned Bachelor’s degrees in Business Administration and Master’s Degree in Taxation. He is past president of the Bryant Alumni Association and was an adjunct faculty member at Bryant University, Providence College and Johnson and Wales University.
Securities Agent: TN, MN, DC, AR, WA, NY, GA, MD, CT, CO, VA, RI, NH, MT, NV, SD, OH, TX, SC, PA, NJ, NC, ME, IL, FL, CA, AZ, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1826747
NMLS#: 1826747
About Patricia A Craddock
Patricia A. Craddock is a Senior Vice President, Financial Advisor and Family Wealth Advisor. In her role, she provides wealth management guidance and innovative solutions to high-net-worth individuals, families, and small business owners. She collaborates with clients to develop a comprehensive wealth plan to address their financial needs. Her financial advising is straightforward: consistent communication to help ensure clients feel connected and confident in their financial and investment strategy. Patricia understands the dynamic nature of the business and responds to changes or concerns judiciously and with integrity.
Patricia had been actively investing in the capital markets for years prior to embarking on a career in the financial industry. The early interest and practical experiential learning have helped her to use the proficiency to assist clients in growing their assets, improve their lives, and pass wealth efficiently to future generations. Patricia holds a BA in English from the University of Rhode Island, a BS in Accounting from Providence College, and an MBA in Finance from Providence College. This diverse educational background equips her with a comprehensive understanding of both the technical and human aspects of financial advising.
Patricia has been honored to receive the Five Star Professional Wealth Management Award each year since 2015, most recently in 2022. She has also been recognized as one of Forbes Best-In-State Wealth Advisors in 2017, 2021 and 2023.* In addition, Working Mother’s Magazine identified Patricia as Top Wealth Advisor in 2019 and 2020.** These recognitions reflect her commitment to excellence in serving her clients. Clients often describe Patricia as honest, diligent, and attentive to changes that could affect financial outcomes. She is committed to providing the best possible client service experience by staying current with impactful developments and answering even the simplest questions in a timely manner.
Patricia began her career at Smith Barney in May 1996 and transitioned to Morgan Stanley during the merger in May 2009. Most recently she has become a partner on our team. The variety of skill sets and experience, allows the team to offer a wider range of services and better support clients.
Patricia lives with her three children in a quiet neighborhood in Smithfield, RI, surrounded by apple orchards and farms. Her interests include reading, gardening, and spending Sunday afternoons hosting family dinners.
*2015-2022 Five Star Wealth Management Award
Source: fivestarprofessional.com (Awarded 2022-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award - 5/6/15 - 9/30/15
2016 Award - 5/6/16 - 10/4/16
2017 Award - 3/16/16 - 11/1/16
2018 Award - 3/16/18 - 10/4/18
2019 Award - 2/25/19 - 10/7/19
2020 Award - 3/2/20 - 9/25/20
2021 Award - 2/8/21 9/10/21
2022 Award - 2/28/22 - 8/26/22
**Working Mother Magazine Top Wealth Advisor
Source: Workingmother.com (September 2020) 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms ranking awarded in 2020. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Working Mother Magazine (the publisher) during the period from 3/31/19 - 3/31/20. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Working Mother Magazine. For more information, see www.SHOOKresearch.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Patricia had been actively investing in the capital markets for years prior to embarking on a career in the financial industry. The early interest and practical experiential learning have helped her to use the proficiency to assist clients in growing their assets, improve their lives, and pass wealth efficiently to future generations. Patricia holds a BA in English from the University of Rhode Island, a BS in Accounting from Providence College, and an MBA in Finance from Providence College. This diverse educational background equips her with a comprehensive understanding of both the technical and human aspects of financial advising.
Patricia has been honored to receive the Five Star Professional Wealth Management Award each year since 2015, most recently in 2022. She has also been recognized as one of Forbes Best-In-State Wealth Advisors in 2017, 2021 and 2023.* In addition, Working Mother’s Magazine identified Patricia as Top Wealth Advisor in 2019 and 2020.** These recognitions reflect her commitment to excellence in serving her clients. Clients often describe Patricia as honest, diligent, and attentive to changes that could affect financial outcomes. She is committed to providing the best possible client service experience by staying current with impactful developments and answering even the simplest questions in a timely manner.
Patricia began her career at Smith Barney in May 1996 and transitioned to Morgan Stanley during the merger in May 2009. Most recently she has become a partner on our team. The variety of skill sets and experience, allows the team to offer a wider range of services and better support clients.
Patricia lives with her three children in a quiet neighborhood in Smithfield, RI, surrounded by apple orchards and farms. Her interests include reading, gardening, and spending Sunday afternoons hosting family dinners.
*2015-2022 Five Star Wealth Management Award
Source: fivestarprofessional.com (Awarded 2022-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award - 5/6/15 - 9/30/15
2016 Award - 5/6/16 - 10/4/16
2017 Award - 3/16/16 - 11/1/16
2018 Award - 3/16/18 - 10/4/18
2019 Award - 2/25/19 - 10/7/19
2020 Award - 3/2/20 - 9/25/20
2021 Award - 2/8/21 9/10/21
2022 Award - 2/28/22 - 8/26/22
**Working Mother Magazine Top Wealth Advisor
Source: Workingmother.com (September 2020) 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms ranking awarded in 2020. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Working Mother Magazine (the publisher) during the period from 3/31/19 - 3/31/20. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Working Mother Magazine. For more information, see www.SHOOKresearch.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: DC, MT, MA, CO, CA, SD, MD, DE, WA, RI, NH, NC, AZ, MN, VA, ME, TX, NY, OH, GA, FL, CT, TN, SC, PA, NV, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1339250
NMLS#: 1339250
About Matthew V. Marcantonio
Since joining Morgan Stanley in 2017, Matthew Marcantonio has been dedicated to helping clients achieve their long-term financial goals. As a Financial Advisor with the North Atlantic Group at Morgan Stanley, he works closely with clients to develop personalized financial strategies that address their unique needs and priorities.
Matthew graduated summa cum laude from Nichols College in 2017 with a Bachelor of Science in Business Administration with concentrations in Finance and Economics. He also completed his Master of Business Administration from Bryant University in 2024, further deepening his knowledge. His ongoing commitment to professional growth ensures he remains well-equipped to help navigate the complexities of today’s financial landscape.
In addition to his academic achievements, Matthew has earned several respected industry credentials. As a Certified Financial Planner™ (CFP®), Matthew possesses a comprehensive understanding of financial planning. And helps ensure that each client receives personalized strategies aligned with their individual aspirations and risk tolerance. Additionally, Matthew holds prestigious credentials including the Certified Investment Management Analyst (CIMA®) and Chartered Retirement Plans Specialist (CRPS®), further solidifying his commitment to excellence in the field.
Beyond his professional endeavors, Matthew is deeply involved in giving back to his community. He proudly serves on the Board of Advisors at Nichols College where he actively contributes to initiatives that enrich the college and empower students. Through volunteering his time, talent, and treasure, Matthew helps foster a culture of philanthropy and growth within the institution. In his free time, Matthew enjoys playing golf and spending time with friends and family.
Matthew graduated summa cum laude from Nichols College in 2017 with a Bachelor of Science in Business Administration with concentrations in Finance and Economics. He also completed his Master of Business Administration from Bryant University in 2024, further deepening his knowledge. His ongoing commitment to professional growth ensures he remains well-equipped to help navigate the complexities of today’s financial landscape.
In addition to his academic achievements, Matthew has earned several respected industry credentials. As a Certified Financial Planner™ (CFP®), Matthew possesses a comprehensive understanding of financial planning. And helps ensure that each client receives personalized strategies aligned with their individual aspirations and risk tolerance. Additionally, Matthew holds prestigious credentials including the Certified Investment Management Analyst (CIMA®) and Chartered Retirement Plans Specialist (CRPS®), further solidifying his commitment to excellence in the field.
Beyond his professional endeavors, Matthew is deeply involved in giving back to his community. He proudly serves on the Board of Advisors at Nichols College where he actively contributes to initiatives that enrich the college and empower students. Through volunteering his time, talent, and treasure, Matthew helps foster a culture of philanthropy and growth within the institution. In his free time, Matthew enjoys playing golf and spending time with friends and family.
Securities Agent: CA, DE, UT, TN, SD, OR, MI, RI, NH, MA, KY, KS, IL, WY, SC, NJ, NC, MN, IN, WI, VA, MT, VT, NY, HI, FL, CO, PA, OH, GA, TX, NV, NM, IA, AK, WA, DC, CT, AZ, AR, ME, MD, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2669952
NMLS#: 2669952
About Adriane B. Medeiros
Adriane has been with the firm since 1996. Adriane's responsibilities include servicing client needs in all areas, and trade execution. Adriane maintains the Series 7, 63 & 65 securities licenses.
About Kimberly M. Jones
Kimberly has been with the firm since 1996. Kim's responsibilities include servicing client needs in all areas, and research.
About Cheryl Holzberger
Cheryl joined the team in October of 2022. Her responsibilities include supporting the team’s mission of providing first class client service. Cheryl additionally assists the team with constructing financial plans for our clients and assisting with other analytical tasks.
Cheryl graduated from Bryant College in 1987, where she majored in accounting, and graduated from New England School of Law in 1997, where she earned her JD. She also completed her Certified Public Accountant license (non-practicing at Morgan Stanley).
Cheryl maintains the Series 7 and 66 securities licenses.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Cheryl graduated from Bryant College in 1987, where she majored in accounting, and graduated from New England School of Law in 1997, where she earned her JD. She also completed her Certified Public Accountant license (non-practicing at Morgan Stanley).
Cheryl maintains the Series 7 and 66 securities licenses.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
About Chris Goulart
Christopher Goulart brings a diverse array of experiences to his role as a Client Service Associate at Morgan Stanley. With a strong background in operations and management, he is dedicated to providing exceptional support to the North Atlantic Group and our clients as they navigate their financial journeys. Christopher’s 9 years’ experience as President of Franlart Nurseries Inc. allowed him to develop a keen understanding of business operations and client relations, resulting in significant revenue growth and enhanced service delivery. In a previous role as Administrative Coordinator for the Friends of the National Arboretum, he honed his financial oversight and stakeholder management skills.
Christopher graduated summa cum laude from the University of Rhode Island in 2009 with a Bachelor of Science in Environmental Horticulture, and in 2024 received his MBA from Bryant University, graduating top of his class in both programs.
Outside of work, Christopher is an active community member, having served on the Little Compton, RI Budget Committee for 6 years, where he played a key role in financial planning and resource management. In his free time, he enjoys going to the beach and exploring with his wife and son.
Christopher graduated summa cum laude from the University of Rhode Island in 2009 with a Bachelor of Science in Environmental Horticulture, and in 2024 received his MBA from Bryant University, graduating top of his class in both programs.
Outside of work, Christopher is an active community member, having served on the Little Compton, RI Budget Committee for 6 years, where he played a key role in financial planning and resource management. In his free time, he enjoys going to the beach and exploring with his wife and son.
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Are You Prepared for Tax Day?
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
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State of the Workplace Study 2023
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When 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.
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.
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
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.
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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When 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.
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.
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)
