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
Employee Stock Ownership & Options
Key Takeaways: Company stock plans & stock options have many customizable details Employees should understand their stock...
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Give and Get: Qualified Charitable Distributions
Key Takeaways Tax reform has decreased the households who itemize to about 10% of taxpayers. Those who don’t itemize may not...
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Estate Planning
The Ballast Atheneum is a collection of our thoughts on the twelve most important topics in financial planning. Today, the focus...
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Planning Opportunities with SECURE Act 2.0
SECURE Act 2.0 is good for retirement savers. Key Takeaways:   RMD Age Delayed from 72 to 73, then 75 for those born in...
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2022 Market Recap and 2023 Outlook
To kick off the new year, John Boardman (CEO, Founder) and Andy Reynolds (COO, Partner) sat down to recap the economic environment...
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Ballast Bloopers 2022
As we look back on 2022, we thank you for your trust in us and the support of our team. We sincerely hope you have had a wonderful...
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Review Your Benefits as You Progress Through Life
Key Takeaways: Workers born between 1957 and 1964 changed jobs an average of once every two-and-a-half years and had an average...
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Taxes in Retirement – Case Studies
Key Takeaways: Your sources of income will change, but you will still owe taxes in retirement. In general, your principal...
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December Market Update 2022
    During the Ballast Open House last week, the advisors led a brief market update and economic discussion for those...
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Should Business Owners Raise Their Salary to Earn More Social Security?
Key Takeaways: Pass-through entity owners can choose to take profits as wages or distributions Increasing owner salary raises...
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Open Enrollment Period
This week, we have a quick video from Cameron Hamilton. Many of you are currently in an open enrollment period for health insurance....
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Evaluating a Pension Buyout
Key Takeaways:   Calculating the “hurdle rate” of return is an important first step in determining whether staying in the pension...
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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.