PERSONAL FINANCIAL

OUR PROCESS

Through our six-step process, we work closely with you to identify goals, analyze your balance sheet and develop influential wealth management recommendations. We also bring together your various advisors, including accountants, attorneys and bankers to make sure everyone is working toward a common goal with their support to you.

  • 1-on-1 Meetings

    Our initial steps help define how we will work together. We can work in person or virtually.

  • Goal Setting

    We want to learn what matters most to you. We'll determine goals and begin to gather your financial information

  • Fiduciary Analysis

    Our team will analyze your information and develop strategies based on your goals, stage of life, and risk tolerance.

  • Customized Recommendations

    We develop recommendations based on real experience rather than pre-listed products.

  • Financial Plan

    With your comprehensive financial plan as the foundation, our advisors will guide you on your financial journey, leading you along the path towards goal achievement.

  • Ongoing Follow-Up

    We work with our clients ongoing. We monitor your progress to keep you on track.

INVESTMENT MANAGEMENT

At Ballast Advisors we believe a well-diversified portfolio will provide our clients with an efficient balance between risk and reward — giving our clients the best opportunity to meet their long-term goals. Generally, our clients’ portfolios will be invested in asset segments across a full investment spectrum – domestic and global, equity and fixed income, developed and emerging markets, real assets, and alternative strategies.

We strive to maintain our strategic allocation discipline in all economic environments and market conditions, periodically re-balancing all your holdings as needed – including your 401(k), stock options and other executive benefits – creating a portfolio in harmony.

ASSUMPTION IS NOT PART OF OUR STRATEGY

TAX PLANNING

Because efficient tax strategies play an important role in the success of our clients’ financial objectives, Ballast Advisors provides tax preparation and consulting services as a core component of our financial planning services. Whether we are creating year-end investment tax strategies or the preparation of individual and fiduciary tax returns, the impact of taxes is an integral part of our analysis. The ability to seamlessly integrate this service into your comprehensive financial plan, allows our advisors to create solutions that complement all aspects of our clients’ financial plan.

Ballast Tax & Business Services

When preparing a tax return it’s important to make sure that you have all of the correct information. Ballast Advisors brings to the table the experience of collecting financial information safely and securely to complete your tax return in a timely manner. We don’t rely on assumptions or guesswork when preparing a client’s federal or state tax return. We will help you gather the necessary information correctly the first time.

Our affiliated Accounting practice is available for your tax needs. Ballast Tax & Business Services strategies are designed to help small businesses meet both long and short-term goals. The services include: tax planning and preparation, IRS representation and financial reporting and payroll.

RETIREMENT PLANNING

We utilize a personalized approach to retirement planning that incorporates income distribution planning, investment management, Social Security planning, health care planning, long-term care planning, estate planning and risk management. We draw on the extensive experience of our financial professionals to help create a clear, actionable road map in planning your retirement.

  • Planning for Retirement and Social Security

  • Traditional, Roth, and Simples IRAs

  • Fundamentals of Defined Benefit Plans

  • 403(b) Plans and Other Plan Issues

  • Fundamentals of Defined Contribution Plans

  • Retirement Plan Distributions

  • Fundamentals of 401(k) Plans

  • Deferred Compensation and Stock Plans

ESTATE PLANNING

Whether you want to maximize inheritance for your heirs, keep the family business in the family, or leave a philanthropic legacy, our estate planning experts work diligently to make your wishes a reality. With an emphasis on reducing estate taxes and minimizing probate costs, our advisors will help coordinate key aspects of your estate plan—wills, life insurance and trusts—and assemble a team of experienced professionals to work with you and your other advisors.

PROTECTION PLANNING

Our team of professionals conduct insurance policy reviews and evaluation, and draw on an unparalleled selection of insurance products to structure programs that will provide instant liquidity for an estate tax need, protect a business, replace an income in the event of death or disability, and more. We make sure you and your family have a risk management plan that is comprehensive and allows you to rest easy, knowing you have all of the bases covered.

EXECUTIVE COMPENSATION AND BENEFITS CONSULTING

Our financial service experts help executives navigate the maze of regulatory issues and diversification strategies affecting your wealth, through customized, comprehensive solutions tailored to your tax, liquidity, and diversification needs. We help you understand your total economic package, and if needed, we can help you create it.

SMALL BUSINESS PLANNING

We help you make optimal financial decisions for your business. Our goal is to maximize business financial management and personal wealth building for our clients. We consult in areas of executive compensation, key employee planning, tax planning, business succession planning, employee benefits, retirement services-qualified and non-qualified plans, portfolio management, asset allocation, and cash management.

Our approach starts with understanding you and your business. Your answers to the following questions will help us create a customized plan that is unique to you and your business, and fit in with the culture you have created:

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