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Andy Reynolds
Brian Burton
Cameron Hamilton
Frank Yozwiak
John Boardman
Team Ballast
Getting Creative with College Funding
In our previous discussions about college planning, we’ve discussed where and how much to save while acknowledging that these...
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Stock Market Bubbles are Inevitable – Are You Prepared for the Next Burst?
In addition to this commentary, we would like to extend an invitation for you to join us on a live video feed where we will discuss...
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Counteract Inflation with Your Financial Assets
Key Takeaways Inflation in October 2021 was 6.2%, the highest in nearly 30-years. From 1914 to 2021, average inflation in the...
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Behavioral Finance and Asset Allocation
Summary Points: We simply have to watch money flow to know how “average investors” behave. Investor emotions typically run...
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End of Year Financial Planning
As we officially enter the month of November, it is hard to believe that Thanksgiving is just three weeks away.  Hopefully, this...
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The Complicated Calculations of College Costs
Parents of college-bound students are dealing with a chicken-or-egg dilemma.  When it comes to student aid calculations, it just...
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Tax Management in Bull Markets
How do we manage accounts when everything is up? With cooperative markets, many investors have accumulated substantial capital...
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The Power of Homeownership
Key Takeaways: Having a fixed-rate mortgage keeps a large portion of your budget constant versus the variability of rental costs Lower...
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College Savings Vehicles
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...
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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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The Economy’s Return to Normal
Key Takeaways: Economic data indicates a return to pre-pandemic levels of activity A tight labor market has contributed to some...
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Retirement Saving Myths and Misconceptions
We are fortunate to have a very educated and knowledgeable client base, but we are consistently surprised by the myths and misconceptions...
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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.