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
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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The Unanswered Economic Questions About Hybrid Work
Key Takeaways Remote work may be the largest modern shift in employer-employee relations Current tight labor markets have accelerated...
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Robinhood and a New Generation of Investors
Warren Buffett is one of the most famously successful investors of all time and his firm, Berkshire Hathaway, trades today near...
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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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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.