Ballaster Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$21,831,814
Clients
27
63% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
27
TypicalAverage account size
$808,586
About
Ballaster Financial LLC provides investment management and comprehensive financial planning to individual clients and to employer-sponsored retirement plans, including pension and profit-sharing plan sponsors. Its services include ongoing and project-based financial planning, portfolio management for retirement accounts, and group educational presentations.
The firm primarily uses a passive, Modern Portfolio Theory–based approach, constructing diversified portfolios with low-cost index funds and ETFs and performing periodic rebalancing; it also reviews and manages held-away retirement accounts via client-provided statements or third‑party platforms. When advising retirement plans, Ballaster acts as a fiduciary under ERISA and can serve in both 3(21) advisory and 3(38) discretionary investment manager roles for plan sponsors.
Noteworthy for a small independent adviser, Ballaster maintains a formal employee benefit plan practice that includes plan monitoring, investment policy statement assistance, fund lineup replacement authority, and participant education—services that are less common among peers. The firm also offers educational seminars and notes a recent contractor affiliation that ended in 2026 while stating it currently has no related parties, details that may be relevant to clients assessing the adviser’s institutional experience and past affiliations.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
Occupation focus
Founder/Business Owner
Executive
Fee options
Project-based financial planning fixed fees ranging from $500 to $5,000 or more; Employee Benefit Plan services and Plan Advice and Consulting flat fees typically between $2,500 and $10,000 annually; Educational seminars fees ranging from $0 to $10,000 per seminar.
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $3,000,000: 0.75% $3,000,001 - $5,000,000: 0.60% $5,000,001+: 0.50%
Minimum fee: Minimum annual fee of $8,500 for Ongoing Comprehensive Financial Planning or complexity-based fee, whichever is higher, when managed assets dip below $850,000. Fee-only: Project-based financial planning fixed fees ranging from $500 to $5,000 or more, typically $3,250 for a financial plan. Ongoing Comprehensive Financial Planning annual fee starting at $8,500 paid monthly, increasing with CPI + 1%. Employee Benefit Plan services and Plan Advice and Consulting may charge asset-based fees up to 1% and/or flat fees ranging from $2,500 to $10,000 annually.
Main office location
Ballaster Financial
Jersey City NJ, United States
Number of offices
1
Most active in
Ballaster Financial has reported serving >5 clients in these states in the last 12 months.
California · New Jersey · New York
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
LinkedIn
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Website
973-544-8061
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