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
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...
Read More
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...
Read More
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,...
Read More
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...
Read More
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...
Read More
Interest Rates & Inflation
Over the past decade, the Federal Reserve has been pushing for modestly higher interest rates and inflation.  To anyone following...
Read More
The Grey Area of Paying Off a Mortgage Early
A key question that soon-to-be retirees often face is whether or not to eliminate debt before retirement.  Generally, we would...
Read More
Inflation Concerns: Are Higher Prices Here to Stay?
Higher prices are here – I learned this last month when booking a rental car for our summer vacation, a 6-day rental for...
Read More
Insight Into Fixed Income + Timing of Social Security
When entering retirement, the question of how to structure income can be the most influential factor in determining a family’s...
Read More
Toilet Paper... and Pork?
A little over a year ago, in March 2020, life as we then knew it was drastically changed.  Many of those who were fortunate enough...
Read More
How Will A Bear Market Affect Your Plan?
In this week’s edition of the Ballast Atheneum, I am going to explore a subject no one wants to see but we all must prepare for;...
Read More
The Housing Market is on Fire!
Key Takeaways: Housing inventory has declined by 52% from last year and is 15.6% more expensive. Millennials are finally participating...
Read More


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.