Douglas Ballard, CRES, QPFC, TPS Financial

05/25/2026

05/20/2026

As we move closer to a new year, it’s a great time to evaluate your financial plan. Remember, the decisions you make today can impact your quality of life in the years to come. Don't wait until it's too late! I can help you review your plan to make any needed adjustments or help you get started if you don’t have a plan in place. Contact me today to discuss your options.

05/18/2026

Asset location is quickly emerging as a powerful financial planning framework that focuses on where you hold your investments — not just what you invest in. Reach out to learn more: https://assetlocation.com?utm_medium=social-media&utm_source=MarketingSuite&utm_campaign=MS_0326_Asset_Location&utm_content=where-you-invest-matters

05/16/2026

Are you looking to leave a lasting impact on the world and give back to others? Legacy planning can help you do just that! This article discusses some ways you can start your legacy planning journey today to create a positive impact that will inspire and benefit generations to come!

https://equitable.com/perspectives/life-planning/2024/leave-your-legacy

05/13/2026

Millennials started careers during the 2008 financial crisis, but debt doesn’t mean you can’t save for the future. Paying off debt and investing for the future can happen at the same time. Small, consistent steps now can create more options later. Learn how you can start managing your debt while saving for retirement, then let’s schedule time to talk. https://equitable.com/perspectives/life-planning/2024/debt-and-retirement-planning-a-guide-for-gaining-peace-of-mind?utm_medium=social-media&utm_source=MarketingSuite&utm_campaign=0226_Millennials_And_Managing_Wealth&utm_content=Millennial_Debt_Retirement

05/04/2026

To educators everywhere—thank you for opening doors, building confidence, and leaving a lasting impact on generations of students.

Equitable Advisors provides resources dedicated to supporting educators’ secure futures. I’m here to help you explore your options and plan with confidence: https://equitable.com/individuals/retirement-savings-plans/educators?utm_medium=social-media&utm_source=MarketingSuite&utm_campaign=0426_Teacher_Appreciation_Week&utm_content=TAW_2026

05/02/2026

Once you turn 73, the IRS requires annual withdrawals from certain retirement accounts, known as RMDs. Failing to take them can result in steep penalties—up to 50% of the amount not withdrawn!

Key Tips for RMD Planning:

* Tax Impact: RMDs are taxed as ordinary income--plan ahead to manage your tax liability.

* Portfolio Adjustments: Align your investments to accommodate withdrawals while pursuing your financial goals.

* Cash Flow & Legacy: Use RMDs strategically for expenses, estate planning, or charitable giving.

RMDs can be tricky, but careful planning can help you stay on track. Have questions? Let’s connect!

04/29/2026

By optimizing tax efficiency across tax-deferred, taxable and tax-free accounts, you can help reduce your tax burdens and support your financial goals. Reach out and visit https://assetlocation.com?utm_medium=social-media&utm_source=MarketingSuite&utm_campaign=MS_0326_Asset_Location&utm_content=optimize-your-investment-placement