Welcome

Since 1988, I have worked with individuals and small businesses, concentrating on retirement planning, investment services for high net worth individuals and corporate retirement plans. By developing long-term relationships with my clients and their families, I am able to offer more personalized financial advice and services. Above and beyond the basic licenses required in my business, I am proud to have earned the Certified Financial Planner (CFP®) and Chartered Retirement Plans SpecialistSM (CRPS®) designations. I have worked in Alexandria since 1989, first with Legg Mason and then, through a merger in 2006, with Morgan Stanley*. Prior to that, I began my career with Johnston, Lemon in 1988. Before entering the financial services industry, I worked as a consulting economist in the field of international economic development, working for government agencies, private companies and not-for-profit organizations. Prior to that I served in the Peace Corps in Niger and Chad, where I installed water wells in rural areas and taught English.

I graduated from the University of Rochester in 1971 and received a Masters of Science in Agricultural Economics from the University of Arizona in 1979. I attained my certification as a Certified Financial Planner (CFP®) in 1998 and as a Chartered Retirement Plans SpecialistSM (CRPS®) in 2006.

Outside of the workplace, I try to stay active in our local community. I have served as Treasurer for the Alexandria Little League since 2004. I have also served on the Alexandria Environmental Policy Foundation (1995-2003), the Alexandria Environmental Policy Commission (1994-1998), and the Alexandria Emergency Medical Services Commission (1993-1994), and was the Chairman of the Monticello Park Citizens Committee (1994) and the Alexandria Recycling Task Force (1994).

I live in Alexandria with my wife Susan, my son Nathan, and my faithful dog Penny.
Services Include
  • 529 Plans1
  • Financial Planning2
  • Fixed Income3
  • Long Term Care Insurance4
  • Retirement Planning5
  • Wealth Management6
Securities Agent: VA, TX, WY, WV, WI, WA, SC, RI, PA, OK, OH, NY, NJ, NH, NC, MN, MI, MD, MA, KY, IN, IL, IA, GA, FL, DE, DC, CO, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1255761
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Education

  • Chartered Retirement Plans Specialist Certification, 2006
  • CERTIFIED FINANCIAL PLANNER Certification, 1998
  • Masters of Science - Agricultural Economics University of Arizona, 1979
  • Bachelors of Science University of Rochester, 1971

Associations

  • Financial Planning Association Member
  • Alexandria Little League Treasurer 2003-2008
  • Alexandria Environmental Policy Foundation Past Treasurer
  • Environmental Policy Commission Past Citizen Member
  • Monticello Park Citizens Committee Past Chairman

Experience

2006 - present: Morgan Stanley*
Vice President
Financial Advisor
Alexandria, VA

1989 - 2006: Legg Mason Wood Walker, Inc.
Financial Advisor
Alexandria, VA

    Location

    333 John Carlyle St
    Suite 650
    Alexandria, VA 22314
    US
    Direct:
    (703) 837-6903(703) 837-6903
    Toll-Free:
    (800) 336-5405(800) 336-5405
    Fax:
    (703) 683-5940(703) 683-5940
    From My Desk

    Maximum Benefit and Contribution Limits 2013 - 2019


    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.

    More from Morgan Stanley

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    Morgan Stanley and Justin Rose: A Winning Team

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    Reserved | Living & Giving

    Reserved | Living & Giving

    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.
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    Sign Up for eDelivery

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    Access Morgan Stanley Online

    Access Morgan Stanley Online

    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 Kenneth M Ribyat today.
    Market Information Delayed 20 Minutes
    Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

    1Investors 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.

    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.

    3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

    4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    5Morgan 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.

    6Morgan 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.

    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.


    CRC 2019752 10/2018