Expert wealth management for stock compensation and working professional clients

  • Make compounding work for you, not against you

    We position you for success so the benefits of compounding – and not the costs of inaction- can accrue over time

  • Lean on our experience

    With nearly two decades of global Wall Street experience, we will work with you to navigate complex and often murky financial waters

  • Trust that we work for your best interests, not our own

    As a fee only fiduciary advisor, we do not sell products or earn commissions; we are legally bound to put you first

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Partner with us to optimize your complete financial picture

  • Organize my finances

    We’ll create structure and provide a comprehensive picture of your spending and net worth to accurately assess your financial health

  • Collaborate with me to achieve my goals

    We’ll do a deep dive to understand your financial picture and create a strategy to achieve your goals — from retirement planning, education funding, real estate investments, and everything in between

  • Manage my investments

    We construct our portfolios by hand-picking efficient, yet intelligently differentiated investments to best meet your objectives

  • Maximize my employer benefits

    We create recommendations to maximize your employer benefits, from equity compensation to retirement plans

  • Help me reduce my tax burden

    We look for opportunities to reduce your tax bill each year by incorporating your investment, retirement, and charitable goals

  • Protect my assets from unforeseen risks

    We proactively plan for unforseen circumstances and ensure wealth passes on to your loved ones as desired

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Why work with a financial planner?

 

I APPRECIATE HAVING A PERSONAL ADVOCATE

We don’t just throw you into an algorithm. We’ll create a holistic plan that’s tailored for you right now and tomorrow. We’ll be your financial advocate and coach year-round to make sure we’re on track to meet your financial goals.

 

I’D LIKE AN EXPERT TO HANDLE MY FINANCES

While we admire the DIY’ers, studies* show that working with an advisor can provide up to 3% more in returns per annum through areas such as portfolio construction, rebalancing, tax-focused investing, and behavioral coaching.

 

I VALUE MY TIME

With the enormous amount of financial information and jargon out there, rest on our expertise to sift through the noise and apply strategies that will be most impactful to you — and get hours of your life back.

*Vanguard Advisor’s Alpha framework 

 
 

Why Ballaster?

As a former computer engineer, Jay became a Financial Advisor himself after providing investment and financial planning services to other advisors across 2 decades. In contrast to traditional advisors who focus their careers on sales, Jay relished his role as a technical expert to provide expert holistic advice to his clients.

His client experience spans from the rising affluent ($500k-$1 million) to the ultra-high net worth ($1 billion). With experience across financial planning, tax optimization, investment research, and alternative investments, Jay has extensive and diverse perspectives to help clients secure their financial futures.

Fewer than 1% of Financial Advisors have both the CFA and CFP designations. Jay has attained the CERTIFIED FINANCIAL PLANNER™ (CFP) and Chartered Financial Analyst® (CFA) certifications, widely considered gold standards in financial planning and investment designations.