Managing a Household Allocation
One of our mantras in planning is to “Know What You Own.” Peter Lynch popularized this term during his management of a Fidelity mutual fund in the 1980’s, and we think it applies to more than just investments. Your home, your health insurance, your business, and yes, your investments each have features, risks, and opportunities […]
Medical Professionals
COMPREHENSIVE SERVICES “…They assist with advice and solutions that meet our unique situation…” This testimonial is from a client of Ballast, Inc. Clients are not compensated for sharing their opinions and experiences with our firm. Any compensation creates a conflict of interest and any client’s comments may not be representative of any other person’s experience […]
Non-Profits & Charitable Organizations
COMPREHENSIVE SERVICES “…our needs are met as individuals and not by a “one size fit all” approach…” Ballast advisors have a devotion to giving back to the community. As such, we have vast experience with the non-profit and charitable communities. We are equipped with knowledge to help advise organizations like yours across multiple facets from […]
Families & Individuals
COMPREHENSIVE SERVICES Families & Individuals “…As a long-term client, we would enthusiastically recommend Ballast to any family looking to have a tailored long-term partnership…” This testimonial is from a client of Ballast, Inc. Clients are not compensated for sharing their opinions and experiences with our firm. Any compensation creates a conflict of interest and any […]
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Wealth Management FINANCIAL PLANNING Portfolio / Investment Management Financial Planning Budgeting Cash Flow Debt Management Education Saving Estate Planning Monte Carlo Retirement Social Security Tax Planning Portfolio / Investment Management Asset Allocation Security Selection Tax Management Fiduciary Consulting Private Client Consulting Strategic Financial Leadership Private Client Consulting Career Counseling Center of Influence Charitable Giving Long […]
Putting a Value on Your Social Security Benefits
Key Takeaways: As a child, getting to check the mailbox each day was likely an experience filled with joy. You were likely hopeful that just one piece of mail would have your name on it. Fast forward a few years, and that excitement has been replaced by reluctance. We all know what lies waiting. With […]
Planning for “Fixed” Income During Retirement
Fixed Income in retirement can come from many different sources of assets. It may be a pension, real estate rental income, bond/CD ladder, annuity, Social Security, or even an income-yielding individual bond. In all scenarios, using “fixed” income as retirement income comes with many different benefits and risks. While it is very situationally dependent, in […]
Resources
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. Topics Select Topic 401k & Benefits Asset Allocation Ballast News Budgeting Business Buying & Selling Business Decision Support Business Planning and Consulting Business Plans Career Counseling Cash Flow Center […]
Diworsification – Can You Take Diversification Too Far?
Key Takeaways: Conventional wisdom tells us that investing all our money into any one asset type carries an inordinate amount of risk, but is it possible to spread our investments over too many asset types? The term diworsification was coined by Peter Lynch in his 1989 book, “One Up On Wall Street”. He used the […]
Tax Savings on Company Stock
If you work for a publicly traded company, chances are you can own company stock inside your 401(k) retirement plan. We’ve seen many workers nearing retirement who have accumulated substantial shares of company stock. These workers are often unaware that they have an option with the tax treatment of these shares that could potentially result […]
Putting a Value on Your Social Security Benefits
Key Takeaways: Most retirees don’t think of Social Security as an asset and therefore exclude it from their balance sheet. The present value of Social Security payments over an average life expectancy can easily be several hundred thousand dollars. We can’t predict what will happen with Social Security down the road, so it is important […]
Market Volatility & Behavior Finance
If you feel like the stock market has been all over the place recently, there is some merit behind the feeling. So far, during 2022 we have experienced 41 days where the S&P 500 has returned greater than a +/- 1% return. This represents approximately half of the trading days of the year so […]
