Kenneth Peretin, CFP®
Senior Vice President,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®
Direct:
(703) 556-8138(703) 556-8138
Toll-Free:
(800) 336-0156(800) 336-0156
My Mission Statement
To work with High Net Worth professionals to craft a financial plan to meet all of your investing, estate planning and retirement planning goals.
Welcome
Helping you achieve financial success is my first priority. Morgan Stanley has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Together, we will formulate a strategy to help you achieve your most important goals and then deliver a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
Securities Agent: UT, WI, WA, VA, TX, TN, SC, PA, OH, NY, NV, NM, NJ, NH, WV, NC, MT, MI, ME, MD, MA, LA, KY, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255536
NMLS#: 1255536
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Changing jobs can be a time of anxiety or promise. What you decide to do with your hard earned 401(k) account can potentially determine the outcome of such life events. You can also may have more investing options. It can also mean that the fees that you are currently paying for your 401(k) may be lowered. Since there are very few opportunities to take advantage of these tax deferred growth savings accounts, an experienced financial advisor giving informed investment strategies from a world class organization is just what you may need. They say that every battle is won before it’s ever fought. Take charge of your retirement today and speak to an experienced Senior Vice President Financial Advisor at Morgan Stanley.
Typically, a retirement plan participant leaving an employer has the following four options (and may engage in a combination of these options depending on their employment status, age and the availability of the particular option):
1. Cash out the account value and take a lump sum distribution from the current plan subject to mandatory 20% withholding, as well as potential taxes and 10% penalty OR to continue tax deferred growth and:
2. Leave the assets in the former employer’s plan (if permitted)
3. Rollover the retirement savings into the new employer’s qualified plan, if one is available and rollovers are permitted
4. Rollover the retirement savings into an IRA
Other factors in making a rollover decision- include (among other things) the differences in: (1) Investment Options, (2) Fees and Expenses, (3) Services, (4) Penalty-Free Withdrawals, (5) Creditor Protection in Bankruptcy and from Legal Judgments, (6) Required Minimum Distributions or “RMDs”, and (7) the Tax Treatment of Employer Stock.
Typically, a retirement plan participant leaving an employer has the following four options (and may engage in a combination of these options depending on their employment status, age and the availability of the particular option):
1. Cash out the account value and take a lump sum distribution from the current plan subject to mandatory 20% withholding, as well as potential taxes and 10% penalty OR to continue tax deferred growth and:
2. Leave the assets in the former employer’s plan (if permitted)
3. Rollover the retirement savings into the new employer’s qualified plan, if one is available and rollovers are permitted
4. Rollover the retirement savings into an IRA
Other factors in making a rollover decision- include (among other things) the differences in: (1) Investment Options, (2) Fees and Expenses, (3) Services, (4) Penalty-Free Withdrawals, (5) Creditor Protection in Bankruptcy and from Legal Judgments, (6) Required Minimum Distributions or “RMDs”, and (7) the Tax Treatment of Employer Stock.
When evaluating financial well-being, one must begin by asking some basic questions that go to the heart of many essential life issues. Not understanding what is important in your life is like being on a long life journey without a destination.
Here are a list of questions that can help determine what’s most important in your life right now:
Do you know how much you save or spend each year?
What is my current net worth?
What are the ten most important things I want to accomplish while you’re on this Earth?
Am I borrowing money the most efficiently?
Do I have the proper choices in my retirement or 401(k) plan and is it enough to allow me to retire when I intend to?
Do I have the proper amount in an emergency fund?
If something were to happen to me, will my family be able to put everything together?
Does long term care make sense for me?
Is my estate plan up to date and do I have a will, a durable power of attorney, a healthcare proxy, or a trust?
Is there anything else I can do to reduce my income taxes that I’m not doing now?
What is my current asset allocation with all the things I own?
Have I named the proper beneficiaries of my insurance and retirement accounts?
What has been my rate of return over the years and is it competitive to the respective benchmarks?
If I only had 5 years to live, what would I change in my life?
If money were no object, what would I be doing right now?
If I found out I was going to die tomorrow, what do I regret not doing?
Here are a list of questions that can help determine what’s most important in your life right now:
Do you know how much you save or spend each year?
What is my current net worth?
What are the ten most important things I want to accomplish while you’re on this Earth?
Am I borrowing money the most efficiently?
Do I have the proper choices in my retirement or 401(k) plan and is it enough to allow me to retire when I intend to?
Do I have the proper amount in an emergency fund?
If something were to happen to me, will my family be able to put everything together?
Does long term care make sense for me?
Is my estate plan up to date and do I have a will, a durable power of attorney, a healthcare proxy, or a trust?
Is there anything else I can do to reduce my income taxes that I’m not doing now?
What is my current asset allocation with all the things I own?
Have I named the proper beneficiaries of my insurance and retirement accounts?
What has been my rate of return over the years and is it competitive to the respective benchmarks?
If I only had 5 years to live, what would I change in my life?
If money were no object, what would I be doing right now?
If I found out I was going to die tomorrow, what do I regret not doing?
Working With You
Kenneth is a firm believer in bridging the gap of knowledge that is inevitable when dealing with complex financial issues. He uses his over 20 years of experience in the business, and the breadth of knowledge he obtained in earning his MBA and CFP, to make sure that he not only makes informed decisions about your financial future, but is an authority figure in financial planning.
Kenneth’s Core Values:
Duty: Every decision made about your finances will be based on doing what is most prudent and suitable for your needs.
Integrity and Trust: Upholding the unconditional ethical standard is at the highest of our priorities. Integrity is our vehicle to earning client’s trust.
Transparency: We believe it is important for you to always know where you stand. It is our responsibility to keep you informed and on target to achieving your goals.
The Pursuit of Perfection: We concentrate on delivering thoughtful, comprehensive wealth planning that unites family members across generations and supports your financial goals.
Kenneth’s Core Values:
Duty: Every decision made about your finances will be based on doing what is most prudent and suitable for your needs.
Integrity and Trust: Upholding the unconditional ethical standard is at the highest of our priorities. Integrity is our vehicle to earning client’s trust.
Transparency: We believe it is important for you to always know where you stand. It is our responsibility to keep you informed and on target to achieving your goals.
The Pursuit of Perfection: We concentrate on delivering thoughtful, comprehensive wealth planning that unites family members across generations and supports your financial goals.
Community Involvement
Loudoun Youth Soccer, Basketball, and Football Coach
Loudoun, VA
Pennsylvania State University Alumni Association
Member
State College, PA
Tee off for Tots
Committee Member
Key Club - Pennsylvania State University
Former Member
State College, PA
Marymount Alumni Association
Member
Arlington, VA
Loudoun, VA
Pennsylvania State University Alumni Association
Member
State College, PA
Tee off for Tots
Committee Member
Key Club - Pennsylvania State University
Former Member
State College, PA
Marymount Alumni Association
Member
Arlington, VA
Location
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 556-8138(703) 556-8138
Toll-Free:
(800) 336-0156(800) 336-0156
Fax:
(703) 356-6492(703) 356-6492
Wealth Management
From My Desk
4.25% ANNUAL PERCENTAGE YIELD (APY) PREFERRED SAVINGS PROGRAM
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Kenneth Peretin today.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan 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.
6Morgan 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.
7When 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.
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 DisclosuresLink Opens in New Tab
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan 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.
6Morgan 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.
7When 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.
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 DisclosuresLink Opens in New Tab
CRC 6491812 (04/2024)
