Stephen Bobo

Chief Allocation Strategist

More Information

 John Biebel, J.D., CFP®

Chief Client Advisor


  1. We will put your interests first.
  2. We will advise and support your decisions.
  3. We will listen. What do you want and need?
  4. We will communicate proactively.  
  5. We will stay current on sophisticated products and techniques.
  6. We will work closely with accountants, lawyers and other advisors.
  7. We will monitor threats and opportunities that might impact our clients' investments.
  8. We will remain disciplined in our investment philosophy.
  9. We will consider multiple outcomes and build a resilient portfolio.
  10. We will not take on more risk than necessary.

The Partnership

A Firm Built on Years of Experience

Our Guidelines

The Role of an Advisor


Check out our Form ADV for detailed information about Ridley Cove.  This is the disclosure document mandated by the Investment Advisers Act of 1940 and our regulator, the Massachusetts Securities Division.

We have selected TD Ameritrade for competitively-priced access to investments, technology and support.  Clients receive separate account statements (paper or electronic) from TD Ameritrade, as well as on-line access, so that they can always check on the safety of their assets.

​​Nothing is better than having clients thank you for taking the time to really understand their personal situation and for making financial recommendations that changed their lives. Sometimes a big decision is pleasurable, like a vacation home or a retirement relocation, and other times it is more challenging.  One client wasn't sure if he should move his wife into a more expensive Alzheimer's center closer to his home because he worried that it would exhaust their resources.  We spent a lot of time talking about the source of his assets, his children's needs, and other potential uses for the funds.  In the end, he decided to move his wife.  They were able to spend more time together in much more pleasant circumstances.  We didn't make the decision for him, but we did ask enough questions so that he could assess his values and make the decision most in alignment with them.  We could not have provided our thoughtful advice if we had not taken the time to understand his resources and cash flow needs in concert with his own desires for his wife and himself.

Welcome to Ridley Cove, an advisory firm founded by John Biebel.  John is our Chief Client Advisor and responsible for implementing customized portfolios for our clients after completing comprehensive financial reviews.  He has been advising clients for over 15 years.  John is a lawyer and a Certified Financial Planner®, and he has accepted an obligation to place his clients' interests before his own.  John received his undergraduate degree from Oberlin College and a law degree with honors from Suffolk University.  His work has integrated institutional investment management with sophisticated tax, charitable, and estate planning techniques. He has helped numerous families maintain their financial freedom and achieve a comfortable retirement.  John lives in Newton, Massachusetts. He is raising two daughters with his wife, an educator. John is also involved with a social enterprise that empowers at-risk youth to take charge of their lives by taking charge of a business.



Steve Bobo is the firm's Chief Allocation Strategist.  He maintains our disciplined approach to creating appropriate risk-adjusted strategies with the highest intellectual honesty. Steve has over thirty years of experience in the financial services industry, including over twenty years of experience creating strategic and tactical asset allocation programs for institutional and ultra-high-net worth clients.  He brings broad experience across the entire spectrum of global assets and investment vehicles.  He is well versed in all qualitative and quantitative aspects of investment management, including performance measurement and attribution modeling. Steve has held senior level positions with several investment consulting firms and multi-family offices where he has led investment committees, asset allocation committees, policy boards, and strategy teams.  Steve has been central in John's education and thinking, beginning with the six years that they worked together previously. Steve lives in Cohasset, Massachusetts and Punta Gorda, Florida.  An accomplished sailor, Steve has helped build a number of boats and kayaks with both his father and daughter. He has chaired both the Race and Cruising Committees of the Cohasset Yacht Club and served on the investment committees of Tabor Academy and the Cohasset Central Cemetery.