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
When is Debt OK and When is it Not?
Although it’s not always obvious, most debts can be defined as either positive or negative for your overall financial situation Not...
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Planning for “Fixed” Income During Retirement
Fixed income during retirement can help provide stability to a retirement income structure, with less dependence on the stock...
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Planning for RMDs
The vast majority of people save the bulk of their retirement funds in qualified retirement accounts (401ks, 403bs, etc.) and...
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Evaluating Pension Options
Each year we are seeing fewer workers covered by a company pension plan.  Overwhelmingly companies are trending away from...
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Determining a Healthy Withdrawal Rate
One of the more arduous tasks facing retirees and soon-to-be retirees is trying to determine how much money can be withdrawn from...
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Benefits of Multiple Income Streams at Retirement
In our second Atheneum article for this quarter’s Retirement Income subject, we discuss the benefit of having multiple income...
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The Importance of Tax Diversification
When most people think of diversification, they primarily focus on a proper mix of portfolio assets.  As we have noted in...
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Evaluating Old Life Insurance Policies
Not all financial decisions are made with a clean slate.  Nearly everyone we meet has made choices both good and bad. ...
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Property and Casualty Insurance
We all face the threat of a potentially catastrophic event every day, whether at home or at work, and we need financial protection...
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Insurance for Small Businesses
As an independent, locally owned firm, we have had the opportunity to learn about insurance needs first hand.  While daunting...
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Long Term Care Overview
One of the most intimidating and misunderstood areas in financial planning is Long Term Care Planning. In general, long-term care...
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Disability Insurance – Protecting Families and Businesses from Disaster
According to the Social Security Administration, just over 1 in 4 of today’s 20-year-olds will become disabled before reaching...
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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.