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Andy Reynolds
Brian Burton
Cameron Hamilton
Frank Yozwiak
John Boardman
Team Ballast
When Too Much Tax Deferral Becomes Counterproductive
. Most of us have been told from early on in our careers to defer as much income as possible to ensure we’ll be properly...
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Simplify Budgeting to One Key Number
“Where does the money go?” is a question we, unfortunately, hear all too often when discussing budgeting and cash flow.  Often...
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Student Loan Forgiveness Best Practices
Key Takeaways: Federal student debt cancellation up to $10,000 ($20,000 for Pell grant recipients) Cancellation limited by income...
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August 2022 Market Update
Listen as John Boardman (Founder and CEO) and Andy Reynolds (COO and Partner) and Cameron Hamilton (Director of Financial Planning...
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A History of the Individual Income Tax in America
Key Takeaways: Individual income taxes are the largest source of revenue for the government  The 16th Amendment...
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Most Couples Shouldn’t BOTH Delay Social Security
Key Takeaways: Two-income households have more complex Social Security timing decisions The higher-earning spouse generally benefits...
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Tax Savings on Company Stock
If you work for a publicly traded company, chances are you can own company stock inside your 401(k) retirement plan.  We’ve seen...
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Putting a Value on Your Social Security Benefits
Key Takeaways: Most retirees don’t think of Social Security as an asset and therefore exclude it from their balance sheet. The...
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Cash Flow – The “B” Word
For many individuals, families, and even companies, the infamous “B” word causes undo stress, and anxiety, and at times, can even...
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Evaluating the Benefits of Flex Spending and Health Savings Accounts
Most employees face countless and confounding options each year when they select their benefits.  There is no unanimous choice...
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Takeaways From a Week at the Chicago Booth School of Business
As all the children in our community are getting ready to go back to school, I am reflecting on my week back in the classroom...
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Social Security: Whether to Wait to Start Taking Retirement Benefits
Key Takeaways: You could be facing up to a 30% reduction in your PIA by taking Social Security retirement benefits at age 62. By...
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We created a resource to help you succeed in your personal financial journey.

The Ballast Atheneum is a collection of our thoughts on the twelve most important topics in financial planning.