Simplify Budgeting to One Key Number
“Where does the money go?” is a question we, unfortunately, hear all too often when discussing budgeting and cash flow. Often the only thing simple about a family’s cash flow is that it is simply confusing. Let’s look at how we help simplify complicated family finances into one key number. Often times we see clients […]
Zero-Based Budgeting for Individuals and Households
Key Takeaways: In Zero-Based Budgeting (ZBB), you start your budget from zero, then only add in what is truly needed. ZBB is not only useful in a business environment, but also for individuals and households. ZBB is a great way to determine whether your spending is aligned with your goals, priorities, and values. […]
Simplify Budgeting to One Key Number
“Where does the money go?” is a question we, unfortunately, hear all too often when discussing budgeting and cash flow. Often the only thing simple about a family’s cash flow is that it is simply confusing. Let’s look at how we help simplify complicated family finances into one key number. Often times we see clients […]
Doing the Math on Sports Gambling
Want updates and articles like this sent straight to your inbox? Sign up for our newsletter here. Labor Day is in the rearview mirror and for my family that means it is football and tailgating season. When I feel that fall nip in the air, I feel the urge to light the BBQ smoker and […]
John V. Boardman Honored for Years of Service by The Teachers Retirement System of Kentucky
LEXINGTON, Ky. (June 18, 2024) – The Teachers Retirement System of the State of Kentucky recently recognized John V. Boardman, Founder/CEO of Ballast, for his significant contributions and seven years of dedicated service to the Board of Trustees. Originally appointed to the Board of Trustees in 2017 by Gov. Bevin and reappointed in 2021 […]
Two Ways to Combat Household Inflation
Inflation is not a one-size-fits-all all phenomenon Inflation is the increase in prices over time Increasing prices means decreasing purchasing power How we choose to spend our money dictates how we experience inflation Inflation has been top of mind for every participant in our economy for three years straight: households, businesses, and policymakers. Inflation […]
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 […]
Entrepreneurs & Business Owners
COMPREHENSIVE SERVICES “…The professionals at Ballast, with their expertise and knowledge, were able to prepare our businesses for a safe and secure transition…” 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 […]
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 […]
Why Are Kids So Expensive These Days?
We’re often invited to speak to student groups about financial planning and I like to end with a few pieces of advice that apply to almost everyone, including a list of the biggest financial mistakes someone can make. Number one on that list is having children, which always solicits a few chuckles when we speak […]
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