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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Financial Spring Cleaning
Andy Reynolds

As lingering chilly days or rainy days occur during early spring, take some time to consider reviewing your current finances.  The top three financial spring-cleaning tasks are: Review your credit report from a free service such as annualcreditreport.com. Review your emergency fund status and create a plan to add to savings if it is insufficient. … Continued

Give and Get: Qualified Charitable Distributions
Cameron Hamilton

Key Takeaways 2017 Tax Reform has reduced the number of families who itemize deductions. Those who don’t itemize may not realize tax benefits from charitable donations. Qualified Charitable Distributions help donors above age 70 ½ realize a tax benefit. Donors younger than 70 ½ should consider the timing of their contributions.   Helping people give … Continued

The Inverted Yield Curve of March 2019
Frank Yozwiak

Key Conclusions: Part of the U.S. Treasury yield curve inverted in March of 2019 An inverted yield curve may be correlated to a recession – correlation is not causation Yield curve inversions do not predict the severity or length of recessions   Perhaps you’ve already heard the news: On Friday, March 22, 2019, the yield … Continued