Conversational Commerce – AI for Shopping

Andy Reynolds

Weekly Update

Over the past several years, technology has revolutionized the shopping experience.  Many are quick to acknowledge the ever-growing shift from brick and mortar stores to online commerce.  But few realize just how much artificial intelligence goes into attracting the consumer to a potential sale.  We have recently been following a trend referred to as a … Continued

The Hidden Benefits of Saving Early in Life

Brian Burton

Atheneum

We’re all aware that saving for retirement is not a strong suit for many Americans.  There is no end to the alarming statistics regarding our lack of preparedness for when it’s finally time to call it a day.  The most recent head-scratcher I came across was a survey done by J.P. Morgan Asset Management and … Continued

Endowments & the Endow Kentucky Tax Credit Program

Frank Yozwiak

Weekly Update

Boston and Philadelphia, 1790 – Benjamin Franklin, a Founding Father of the United States, got the idea to create an endowment for his native city of Boston, and his adopted home, Philadelphia.  In a codicil to his Will, Franklin left 1,000 pounds (roughly $4,400 at the time) to each endowment, on the condition that each … Continued

The Grey Area of Paying Off a Mortgage Early

Frank Yozwiak

Atheneum

A key question that soon-to-be retirees often face is whether or not to eliminate a debt before retirement.  Generally, we would love to see all our clients enter their retirements debt free.  However, there could be some instances where making monthly debt payments is not necessarily a bad thing (i.e., zero-percent financing on a car).  … Continued

Why Would Markets Fear a Peak in Earnings?

John Boardman

Weekly Update

I believe that most market trading days and weeks take on a theme.  These “stories of the day” can be significant, like a major merger announcement or a Fed rate decision.  Other times, a relatively minor or seemingly innocuous story can take over the day, particularly if trading volume is low and the news cycle … Continued

Insight into Fixed Income & Timing of Social Security

Andy Reynolds

Atheneum

When entering retirement, the question of how to structure income can be the most influential factor in determining a family’s long-term financial well-being.  Several factors such as income source, inflation, and sequence of returns present risks and opportunities for retirees.  Today’s Atheneum discusses how we might explore retirement income with John and Jane Smith.  They … Continued

Tax Update Conference Call

Ballast

Conference Call

Last Thursday we hosted a conference call to discuss 2018 changes to the tax code and how they might affect our clients.  For your convenience, we’ve included an outline of topics discussed below.  As a reminder, this is our current interpretation of the new tax law changes; further IRS guidance will become available throughout the year.  If … Continued

How Will A Bear Market Affect Your Plan?

John Boardman

Atheneum

In this week’s edition of the Ballast Atheneum, I am going to explore a subject no one wants to see but we all must prepare for; Will my portfolio survive a bear market?  Fortunately, we can use some of our technology tools, specifically, Monte Carlo analysis to determine how prepared a client is for a … Continued

Getting Better All the Time

Cameron Hamilton

Weekly Update

With the S&P 500 and Dow Jones Industrial indices both down on the year, as well as news reports of air strikes and potential trade wars, there are no shortage of gloom and doom prognostications available.  On any particular day there is someone among us in the US declaring the end times.  However, as financial … Continued

How Much is Enough – An Intro to Monte Carlo Simulations

Brian Burton

Atheneum

When it comes to retirement planning, one of the most often asked questions is, “What’s my number?”  In other words, how much money do I need to save to retire comfortably?  Simple, right?  Well, not exactly — it’s far more than just a static number posted on our refrigerators.  Although there are quick formulas and … Continued