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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2019 Year End Video: Inside Our Investment Process

We are excited to share our 2019 year-end presentation, this year in a video format.  Our five Financial Advocates will discuss insights into the collaborative, methodical approach that is the foundation of our investment management process. Topics Covered 0:00:30 – Introduction – John Boardman & Andy Reynolds 0:06:08 – Economy Fast Facts – Cameron Hamilton & Frank Yozwiak 0:18:48 – Managing Portfolios … Continued

Evaluating the Benefits of Flex Spending and Health Savings Accounts
John Boardman

Most employees face countless and confounding options each year when they select their benefits.  There is no unanimous choice in any benefit area, it really comes down to what the employee needs and will benefit from most, particularly long-term.  Flex spending accounts and health savings accounts are very common options these days, particularly as employers … Continued

Evaluating a Pension Buyout
Brian Burton

Key Takeaways:   Calculating the “hurdle rate” of return is an important first step in determining whether staying in the pension or taking a lump sum is the best option for you.  Beyond the math, there are other big-picture variables that should be considered before making a decision.  The pension vs. lump sum decision should … Continued