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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Rates Jump, Markets Fall
John Boardman

Last week provided market drama not seen in some time.  Although US markets were up on Friday, all domestic indices were down significantly for the week.  Whenever we experience such a week, we find it valuable to objectively review the root causes.  In every market environment, there is typically more than one factor at play.  … Continued

College Savings Vehicles
Cameron Hamilton

So often in life and in financial planning, perfect can be the enemy of good.  This is certainly the case when it comes to saving for college.  There are many ways to go about it, but the most important choice is the choice to begin saving.  Nonetheless, we often meet parents of five- and ten-year-old … Continued

Some Perspective on Federal Funds Rate Hikes
Frank Yozwiak

In the last week of September, the Federal Reserve raised its federal funds target range for the third time in 2018.  The target range was increased by a quarter point to 2.00% – 2.25%, the highest since April 2008.  Raising the rate is an indication of the Fed’s confidence in a strong economy.  The Fed … Continued