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Authors

All
Andy Reynolds
Brian Burton
Cameron Hamilton
Frank Yozwiak
John Boardman
Team Ballast
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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Interest Rates & Inflation
Over the past decade, the Federal Reserve has been pushing for modestly higher interest rates and inflation.  To anyone following...
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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...
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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...
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ATHENEUM

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.