Beyond the 401k: Savings Opportunities You Might Not Have Considered
401(k) plans are valuable tools for employees at all income levels, but physicians often face limits on how much they can contribute, relative to their earnings. As a result, many doctors need additional strategies to build sufficient retirement savings and maintain their lifestyle after their work career. These strategies generally fall into two categories: tax […]
When Oil Prices Drive the Market
For much of modern market history, investors have focused on interest rates as the dominant force shaping equity performance. Yet in recent months, another variable has begun exerting an outsized influence on market behavior: oil prices. Movements in crude are increasingly dictating sector leadership, inflation expectations, and even investor sentiment across global equity markets. At […]
A Narrow Strait, A Wide Impact
With war now underway involving Iran, investors are understandably asking what matters most and what simply makes headlines. While attention naturally gravitates toward military developments, markets are focused on something far more practical: the Strait of Hormuz. This narrow passage connecting the Persian Gulf to global shipping routes carries roughly one-fifth of the world’s oil supply […]
WATCH: Q1 Market and Economic Update with Brian Burton and John Boardman
In this quarter’s update, Ballast, Inc. CIO Brian Burton sits down to answer the questions we’ve been hearing most from clients over the last two months. What’s kept markets strong? What’s happening with Bitcoin and gold? Is AI still a real story or just a really expensive one? And why is everyone suddenly talking […]
Safeguard Assets: Asset Protection Essentials for Doctors
For doctors, years of training, long hours, and personal sacrifice culminate in a rewarding profession, but also in increased visibility and liability. Asset protection isn’t about expecting the worst; it’s about planning wisely so your life’s work remains secure. Start with malpractice insurance The first and often most powerful line of defense. Carry robust […]
Investing at Stock Market All-Time Highs: What to Do When the S&P 500 and Dow Hit Records
As the S&P 500 approaches 7,000 and the Dow Jones nears 50,000 in early 2026, many investors are wondering: Is now the time to sell? Stock market all-time highs often trigger anxiety, but historical data reveals a surprising truth about investing during record-breaking periods. This article explains why market peaks are a normal part of […]
2026 Retirement Contribution Limits
Happy New Year! There have been a few changes to retirement contribution limits for 2026. 401(k) Contribution Limits for 2026 For 2026, the 401(k) contribution limit has increased to $24,500, up from $23,000 in 2025. This increase allows employees to boost their tax-advantaged retirement savings and accelerate long-term wealth building. IRA Contribution Limits for 2026 […]
WATCH: Do I Need a Trust?
In December’s webinar, Frank Yozwiak and Andy Renolds answer the common question: “Should I have a trust? Should my estate plan include this?” They answer everything from the basics (“What is a trust?”) to how you can implement it into your financial plan. Watch the conversation above for more! Want More? Sign […]
Ballast Welcomes Two New Team Members: Catherine Richmond and Madelyn Mozeleski
Ballast, an independent, employee-owned financial planning and investment management firm, is proud to announce the addition of two new team members: Catherine Richmond, joining as a Financial Advocate, and Madelyn Mozeleski, joining as a Financial Planning Intern. Catherine Richmond brings a wealth of analytical experience and a strong client-centered approach to her role. After earning […]
Physician Retirement Planning: 5 Steps to Retire with Confidence
Physician retirement planning should feel exciting, not unsettling. Yet for many physicians, the idea of stepping away from clinical work, a steady paycheck, and a familiar routine can feel overwhelming. After decades focused on patients, family, and building financial security, how do you transition into retirement with clarity and confidence? Physician retirement planning presents unique […]
Should I Consider a Trust?
Trusts can be powerful tools for families across the financial spectrum to protect and manage assets, care for loved ones, and potentially realize generational tax savings. They can also provide privacy by avoiding public probate, and customized asset distribution, such as for health, education, maintenance, and support. For those with minor children, a trust can […]
Liquidity & Exit Planning
For many business owners, the sale of their company is a once-in-a-lifetime event that creates a sudden and significant infusion of wealth. While exciting, this new liquidity also presents both challenges and opportunities. To navigate the transition effectively, owners should address five critical questions. First, what is my after-tax liquidity? The headline number from a […]