Ballast Financial Advisors, LLC

Ballast Financial Advisors serves a mix of individual and high‑net‑worth clients as well as trusts, employer plans and other business entities, providing asset management, standalone financial planning, and retirement plan consulting. The firm also assists clients by selecting and monitoring third‑party money managers as part of its asset management services.

Portfolios are tailored and monitored on an ongoing basis with a mix of strategic, dynamic, tactical and core‑satellite asset allocation approaches, and the firm employs a range of analytical methods (fundamental, technical, quantitative and sector analysis) and instruments (fixed income, equities, options, margin and short/long‑term trading). Notably, Ballast reports managing the majority of its regulatory assets on a non‑discretionary basis — approximately $213.5 million non‑discretionary versus $129.1 million discretionary of $342.6 million total AUM — and continues to provide individualized oversight even when not granted full trading discretion.

Distinctive features disclosed in the firm brochure include an affiliation with a CPA practice owned by a firm principal, which the firm acknowledges as a potential conflict and says it will recommend only when in a client’s best interest, and its role as a wrap fee program sponsor on a legacy basis (no new wrap accounts will be accepted). The firm also combines investment management with broader consulting services — from tax and corporate structure advisory to cost segregation and participant education for retirement plans — reflecting a multi‑disciplinary service model that the firm highlights in its disclosures.