2017 Tax Information

Ballast

Weekly Update

As of last week, all 1099s from TD Ameritrade have been mailed to clients.  Please allow through the middle of next week for your documents to be delivered through regular mail to your address of record.  Tax documents will be labeled “Important Tax Information Enclosed”, but may look similar to other mailings.  If expect a … Continued

Engaging Experts in Special Needs

Cameron Hamilton

Weekly Update

Our guiding principle at Ballast is simple- build a team that we would want to take care of our own families.  Sometimes this means better educating ourselves or adding expertise through hiring.  However, at times the best course is to go out and find an expert in the community.  With special needs families, we’ve found … Continued

Special Commentary Market Update

Ballast

Weekly Update

The last several days have reminded all investors that volatility is part of long-term investing.  With the S&P 500 down nearly 10% from its peak over the past ten trading days, many have been quickly reminded that markets do not continually increase.  The most recent 10% market pullback was the beginning of 2016; for that … Continued

The Forgotten Costs of Car Ownership

Frank Yozwiak

Atheneum

As we continue to discuss cash flow topics in our Ballast Atheneum, we considered it relevant to discuss car payments.  Among the more common things we find that tends to break a budget are the often-forgotten costs of car ownership.  It’s easy to remember the monthly payments, insurance premiums, filling up the gas tank, and … Continued

Student Debt Options for Graduates

Cameron Hamilton

Atheneum

Although a minority of our clients have student debt, those that do not almost always have children or grandchildren planning on attending college.  Costs of college attendance have inflated so fast that we discuss it with parents of newborns. We’re seeing a steady increase of borrowers with six figure debt levels, making student debt repayment … Continued

Paying Down Debt vs. Saving for Retirement

Brian Burton

Atheneum

Here is one we hear all the time – “How can I save for retirement with all of these monthly debt payments?”  For what is seemingly a simple question, the answer can actually be somewhat complicated.  Striking the right balance between debt payments and savings contributions will vary with each household and the solution is … Continued

Cash Flow – The “B” Word

Andy Reynolds

Atheneum

For many individuals, families, and even companies, the infamous “B” word causes undo stress, anxiety, and at times can even lead to arguments.  As we flip the calendar to 2018 and we all create New Year’s Resolutions many reference this “B” word as a New Year’s goal.  Additionally, as we at Ballast start a new … Continued

The Flexibility of Being Debt-Free

Brian Burton

Atheneum

In our previous Atheneum commentaries on debt we’ve covered a myriad of topics including, good vs. bad debt, prioritizing debt payoff, and different mortgage planning strategies.  We hope these commentaries have helped shed light on what we consider one of the most important topics in financial planning – debt analysis.  Today we discuss what for … Continued

Year-End Deadlines & Planning Strategies

Andy Reynolds

Weekly Update

This time of year brings many activities in people’s lives; it may be out-of-town friends getting together, families celebrating the holidays, or a corporate outing with colleagues.  Most would agree that the end of the year brings many reasons to be thankful for the lives we all live.  While possibly less of a priority but … Continued

2017 State of the Economy

Ballast

Presentation Recording, Uncategorized

We want to thank everyone who attended our 2017 State of the Economy presentation last month.  We are very appreciative of the full room of clients and their guests who attended the event.  Below is a link to the presentation video.  For those who were unable to attend, we hope you have the opportunity to … Continued