Since our founding, our vision remains steadfast: build a team that we would want to take care of our own families.
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We believe the best work is done through collaboration. Within our team, with our clients. Principles in practice together.

The Ballast Experience is the continuous refinement of a personalized financial map.
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Getting Better All the Time
Cameron Hamilton

With the S&P 500 and Dow Jones Industrial indices both down on the year, as well as news reports of air strikes and potential trade wars, there are no shortage of gloom and doom prognostications available.  On any particular day there is someone among us in the US declaring the end times.  However, as financial … Continued

How Much is Enough – An Intro to Monte Carlo Simulations
Brian Burton

When it comes to retirement planning, one of the most often asked questions is, “What’s my number?”  In other words, how much money do I need to save to retire comfortably?  Simple, right?  Well, not exactly — it’s far more than just a static number posted on our refrigerators.  Although there are quick formulas and … Continued

Will Tax Reform Hurt Charitable Giving?
Cameron Hamilton

Congress passed its tax reform bill last December with the title “Tax Cuts and Jobs Act.”  For most families the tax cuts part of the title will be true thanks to lower tax brackets.  The other boon to taxpayers, especially to middle income earners, is the increased standard deduction.  In 2018 it nearly doubles to … Continued