We keep informed on the latest trends and market insights so we can offer you the best opportunities, support and expertise – whenever you need it.



Andy Reynolds
Brian Burton
Cameron Hamilton
Frank Yozwiak
John Boardman
Team Ballast
Portfolio Rebalancing
Below are our key conclusions when considering rebalancing as part of an overall investment management: Developing asset allocation...
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The Cost of a Spent Dollar – What Could an Investment Have Become Through the Years
As we discuss retirement savings, one aspect that is worthy of consideration is the weighing of alternatives.  Hindsight is always...
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Balancing Saving and Giving
Most of our clients aspire to be financially self-sufficient.  As those clients age, we notice some amount of transition into...
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Finding the Best Order for Funding Retirement
With a task as important as funding your retirement, determining which accounts to fund and in what order should not be taken...
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Positive Signs of a Growing Economy
Key Takeaways: Publicly traded companies will be releasing earnings reports over the next several weeks. Economists believe...
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Determining a Retirement Savings Rate
As we meet with new families, we continually hear the same two questions: 1) are we making good decisions with the money we earn...
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Upcoming Child Tax Credit Checks: Not Free Money
Max Child Tax Credit now $3,600/child under 6; $3,000 ages 6-17 Even high-income families will receive 50% advances on these credits Advance...
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Testing the Challenges of a Long Retirement
We often joke that our job was created because of increasing life expectancies and pensions seldom being offered.  Obviously,...
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Giving Strategy for Charity Gala Season
Fewer than 15% of taxpayers itemize deductions since 2018 tax reform. Timing the donations you already plan to make can maximize...
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The Hidden Benefits of Saving Early in Life
We’re all aware that saving for retirement is not a strong suit for many Americans.  There is no end to the alarming statistics...
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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.