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They include 482 individual clients, 120 high-net-worth individuals, and 5 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 17 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ballast Financial Advisors offer?","answer":"Ballast Financial Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Ballast Financial Advisors use?","answer":"Ballast Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $320M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ballast Financial Advisors have?","answer":"Ballast Financial Advisors has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Ballast Financial Advisors invest in?","answer":"At the end of its last fiscal year, Ballast Financial Advisors’ separately managed accounts held 87% registered funds (mutual funds, ETFs, BDCs), 9% exchange-traded equities, 3% cash and equivalents, 1% non-exchange-traded equities, 1% pooled vehicles (private funds and similar) and 1% other. The 1% other category is described as: Individual Bond Positions, Equity Linked Notes.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Ballast Financial Advisors?","answer":"Ballast Financial Advisors’ direct owners are Joseph Baker (25% to 50%) and Daniel MC Hugh (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 17 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ballast Financial Advisors get paid?","answer":"Ballast Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Ballast Financial Advisors registered with the SEC?","answer":"Yes, Ballast Financial Advisors has been registered with the SEC as an investment adviser since 13 August 2019. Its CRD number is 304430 and its SEC file number is 801-117158.","source":"Form ADV Part 1A, Item 1, filed 17 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Ballast Financial Advisors?","answer":"Ballast Financial Advisors’ main office is at 535 N. Church St., Suite 205, West Chester, PA 19380. Its phone number is 484-266-7281. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}