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

Toilet Paper… and Pork?

Frank Yozwiak

Weekly Update

A little over a year ago, in March 2020, life as we then knew it was drastically changed.  Many of those who were fortunate enough to remain employed found themselves working at home for the first time.  March Madness was cancelled, Disney World closed its gates, and toilet paper seemed to rank highly among the … 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

The Housing Market is on Fire!

Andy Reynolds

Weekly Update

Key Takeaways: Housing inventory has declined by 52% from last year and is 15.6% more expensive. Millennials are finally participating in home purchases in a more prevalent way. Low inventory and increased construction costs have made home purchase decisions difficult for buyers. To put it bluntly, the housing market is on fire!  Over the past … Continued

Thoughts on NFTs

John Boardman

Weekly Update

We believe it is our responsibility to give our thoughts on current investment trends, even if it involves an asset that we do not currently invest in for our clients.  Of all the “assets” we have detailed in previous commentaries, none are as esoteric as NFTs, or Non-fungible Tokens.  I use quotation marks around the … Continued

Is the Recent Climb in Interest Rates a Real Threat?

Brian Burton

Weekly Update

If you pay close attention to mortgage rates like we do, you may have noticed a fairly significant move higher over the last few months.  In fact, 30-year mortgage rates have risen in nine of the past eleven weeks, up 41 basis points from a low of 2.93 percent earlier this year, to the current … Continued

UK Retirement Plan Changes

Ballast Advocates

Presentation Recording

Changes are coming to the University of Kentucky retirement plan. To our many UK employee clients, we will be navigating these changes for you. If you are an employee at UK or know someone who is, this video is a great resource and explains the changes.

Don’t Worry, There’s Still Time for 2020

Frank Yozwiak

Weekly Update

I know what you are thinking.  It is on everyone’s mind.  “2020 was so much fun, such a great year, I wish it would stay 2020 forever.”  (Disclaimer: as a new father, I am now qualified to make bad jokes).  Well, unfortunately I cannot bring back 2020, but I do have some good news: there’s … Continued

GameStop and the Rise of Meme Trading

Brian Burton

Weekly Update

Apple, Microsoft, and Facebook all reported earnings last week and somehow the results were buried behind article after article on a video game retailer involved in two industries on life support, selling discs and mall stores.  So why all the hype for a company with revenues down 45% over the last decade and whose profits … Continued

The Ballast Life Episode #15: Advocate Roundtable – January 22, 2021

Ballast Advocates

Podcast

In this episode of The Ballast Life Podcast, the Ballast advocates sat down to share their thoughts on 2020 with the benefit of hindsight, as well as potential head/tailwinds the markets may experience as 2021 marches along.   Links to The Ballast Life Podcast Listen on Apple Podcasts:https://podcasts.apple.com/us/podcast/the-ballast-life/id1506421732 Listen on Spotify: https://open.spotify.com/show/6AcaZ4C5R2290jv5zbZNuZ?si=rwdhXOVoR02TXlNnM82TKg Listen in browser: https://player.captivate.fm/episode/d652322a-07fe-45be-bfbb-40d1f58de4e4 IMPORTANT … Continued