Since our founding, our vision remains steadfast: build a team that we would want to take care of our own families.
Watch the Film

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.
Learn More
Surprise of 2019 – Lower Rates & High Bond Returns
Andy Reynolds

Key Takeaways:   As the Federal Reserve eyes another rate cut, it is important that investors: Review interest rates on loans. Review your equity/bond exposure. Seek competitive rates on cash deposits.   With rates falling drastically over the past twelve months, one of the more surprising outcomes of 2019 so far has been the return … Continued

Thoughts About Estate Plans
Frank Yozwiak

There is a misconception that you only need an estate plan if you are extremely wealthy – this is simply not true.  A sound estate plan is an integral part of any overall financial plan.  An estate plan is the best way to ensure that those you love and care about will be taken care … Continued

Alternative Uses of Social Security Income
John Boardman

Key Takeaways:    There are many unique situations that could justify taking Social Security earlier. The psychological benefits of a new income stream can relieve anxiety around a new planning strategy. To take Social Security before age 70, the financial and non-financial benefits of claiming Social Security early should outweigh the benefits of deferral.   … Continued